"Second Chance Checking" from Woodforest National Bank

The Basics

Minimum Opening Deposit
 
$0.00
Account may be opened with a deposit of any amount.
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
 
$12.00/yr
The annual fee for the debit card is $12.00.
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
Woodforest supports a mobile-browser website as well as iPhone and Android apps. With either, you can view account balances, view recent activity, transfer funds, and pay bills.
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
Returned Item Fee
 
$34.00/per item
The Insufficient Funds Fee is $34.00 per overdraft.
Overdraft Protection
 
Available
This checking account has one option for Overdraft Protection.
From a linked Savings Account:
- Transfer fee of $2.00. The transfer fee is charged per day;
- Funds are transferred to bring the account balance to $0.00.

Savings and Money Market Accounts

Savings Account
 
$3.00/month
'Savings Account' requires $200.00 to open and $0.00 to earn interest.
Current APY Information:
- 0.15% at minimum balance to earn interest;
- 0.15% at minimum balance to avoid fees;
- 0.25% 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 $1,000.00 to open and $0.00 to earn interest.
Current APY Information:
- 0.15% on all balances.
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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