"Second Chance Checking" from Woodforest National Bank

The Basics

Minimum Opening Deposit
 
$25.00
A $25.00 deposit is required to open this account.
Monthly Maintenance Fee
 
$9.95
This fee cannot be waived. With a direct deposit, the service charge is reduced to $7.95.

Debit Cards & Using ATMs

Debit Card
 
$15.00/yr
The annual fee for the debit card is $15.00. This fee can be waived if:
- You are a student;
- You are a senior.
Non-affiliated ATM Usage Fee
 
$2.00/per use
There is a $2.00 fee each time you use a non-affiliated ATM.
International ATM Usage Fee
 
$2.00/per use
There is a $2.00 fee each time you use a ATM in another country.

Electronic & Telephone Banking

Online Banking Free
Email Alerts
 
Included with Online Banking
This Email Alert feature enables you to receive:
- Warnings when your balance falls below a certain threshold;
- The bad news that your account balance is below $0;
- An email to let you know there's a secure message for you in Online Banking;
- Priority Online Account notifications (i.e., change of password);
- Billpay failure.
Online Bill Pay Free
Mobile & Text Banking
 
Free
This institution supports:
- A text messaging service to view account balances, view recent activity, transfer funds, pay bills, receive alerts;
- A mobile-browser website to view account balances, view recent activity, transfer funds, pay bills, receive alerts;
- A downloadable mobile application to view account balances, view recent activity, transfer funds, pay bills, receive alerts;
- An iPhone application to view account balances, view recent activity, transfer funds, pay bills, receive alerts;
- An Android application to view account balances, view recent activity, transfer funds, pay bills, receive alerts.
Deposit Checks with Mobile Phone
 
Free
This feature is available on the Android and iPhone mobile application.
Automated Phone Banking Free

Checks & Statements

Unlimited Check Writing Yes
Free or Discounted Checks No
Monthly Paper Statements Yes
Check Images with Statements Not Included
Online Statements Yes
Online Check Images
 
Yes
Images of canceled checks can be viewed online.

Overdrawing the Account

Negative Balance Fee
 
Yes
There is a $5.00 fee for a negative balance after 7 calendar days with less than a $0.00 balance. After that, this fee is assessed each additional day the account has a negative balance.
Returned Item Fee
 
$30.00/per item
The Insufficient Funds Fee is $30.00 per overdraft
Overdraft Protection
 
Available
This checking account has 2 options for Overdraft Protection.
From a linked deposit account, like a checking account:
- Transfer fee of $2.00. The transfer fee is charged per transaction;
- Funds are transferred to bring the account balance to $0.00.
From a linked Overdraft Line of Credit:
- Account holders must qualify for this option.

Savings and Money Market Accounts

Savings Account
 
$3.00/month
'Savings Account' requires $200.00 to open and $200.00 to earn interest.
Current APY Information:
- 0.10 % at minimum balance to earn interest;
- 0.10% at minimum balance to avoid fees;
- 0.10 % at $25,000.00
The account has a monthly service fee of $3.00. This fee can be waived if you maintain a minimum balance of $200.00.
Big Money Market Account
 
$10.00/month
'Big Money Market Account' requires $2,500.00 to open
Current APY Information:
- 0.05% at minimum balance to earn interest;
- 0.05% at minimum balance to avoid fees;
- 0.05% at $25,000.00
The account has a monthly service fee of $10.00. This fee can be waived if you maintain a minimum balance of $1,000.00.

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