Minimum Opening Deposit
A $25.00 deposit is required to open this account.
$25.00
Monthly Service Fee
The Monthly Service Fee of $10.00 can be waived by:- Maintaining a minimum Average Monthly Balance of $1,500.00 OR a $3,000.00 minimum balance in any combination of Astoria deposit accounts OR Direct Deposit or other recurring ACH credits OR 10 debit card purchase transactions per statement cycle
$10.00
Debit Cards & Using ATMs
Debit Card
$0.00/yr
ATM Fee Reimbursements
Up to $20.00 per month refunded per statement cycle of other banks fees
Yes
Non-affiliated ATM Usage Fee
There is a $3.00 fee each time you use a non-affiliated ATM after 4 uses per month.
$3.00/per use
International ATM Usage Fee
$3.00/per use
Electronic & Telephone Banking
Online Bill Pay
Free
Mobile & Text Banking
This institution supports:- A text messaging service to view account balances, view recent activity, transfer funds, receive alerts;- A mobile-browser website to view account balances, view recent activity, transfer funds, locate ATMs;- A downloadable mobile application to view account balances, view recent activity, transfer funds, pay bills, locate ATMs;- An iPhone application to view account balances, view recent activity, transfer funds, pay bills, locate ATMs;- An Android application to view account balances, view recent activity, transfer funds, pay bills, locate ATMs.
Free
Deposit Checks with Mobile Phone
Free
Person-to-Person Payments
$0.00 thru Zelle
Free
Email Alerts
This Email Alert feature enables you to receive:- Warnings when your balance falls below a certain threshold;- 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).
Included with Online Banking
Automated Phone Banking
Free
Checks & Statements
Unlimited Check Writing
Yes
Free or Discounted Checks
The first order of basic checks is free for all new account holders. 50% discount on premium checks
Yes
Monthly Paper Statements
Yes
Check Images with Statements
Images of canceled checks are included in monthly statements.Images of canceled checks are included in monthly statements.
$2.00/month
Online Statements
$2.00/month
Online Check Images
Images of canceled checks can be viewed online for 13 months.Images of canceled checks can be viewed online for 13 months.
Yes
Overdrawing the Account
Negative Balance Fee
$35.00 fee applied on the 6th business day the account is overdrawn
Yes
Returned Item Fee
The Insufficient Funds Fee is $35.00 per overdraft.NOTE: 1 fee waived per 12 month rolling cycle.
$35.00/per item
Overdraft Protection
This checking account has 2 options for Overdraft Protection.From a linked Savings Account:- Transfer fee of $10.00. The transfer fee is charged per day;- Funds are transferred to bring the account balance to $0.00.From a linked Overdraft Line of Credit:- Transfer fee of $15.00. The transfer fee is charged per transaction;- Funds are transferred to bring the account balance to $0.00.