"Circle Gold Checking with Interest" from Citizens Bank

A $100.00 deposit is required to open this account.

The Monthly Service Fee of $20.00 can be waived by maintaining an minimum combined daily balance of $20,000.00 in checking, savings, CDs, loans and lines of credit.

The account earns 0.05% interest.

This account includes the following combined savings and debit card reward program:
-The 'Discounts and Coupons' program gives you discounts and coupons on selected products and services;
- 'GreenSense' puts money back into your account based on your debit card usage. Every time you make a debit transaction or use your checking account to pay a bill online, you will earn 10 cents cash back. You can earn up to $120 per year. The monthly fee for the combined program is $6.99.

There is a $3.00 fee each time you use a non-affiliated ATM.

This Email Alert feature enables you to receive:
- Warnings when your balance falls below a certain threshold;
- Notice of deposits or withdrawals over a certain threshold;
- Reminders that bills are coming due for payment.

You can download transaction history in the following format:
- Quicken 2007 and above.

This institution supports two forms of mobile banking:
- Text message alerts available for high/low balance, cleared checks, high transactions, failed payments, failed transfers and mini statements.
- An iPhone app that allows you to view balances, receive alerts, locate branches, and transfer money between your accounts.

Customer service representatives are available 24 hours a day.

Free Circle Design Checks including reorders or $15.00 discount on any other style.

The Insufficient Funds Fee is $22.00 for the first overdraft and $37.00 for subsequent overdrafts. This count resets every 12 months.