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The Basics
This account can be opened with a deposit of any amount.
The Monthly Service Fee of $25 can be waived by maintaining an combined average daily balance of $20,000 in deposits and loan balances.
This is a interest-bearing checking account. The account earns 0.05% interest.
Debit Cards & Using ATMs
This account includes a 'Visa Extras' debit reward card so you can earn points towards items in the VISA Extras Rewards Catalog.
Unlimited rebates when you maintain a minimum daily balance of $2,500 or more except in DC, FL and VA, where no minimum balance is required to receive rebates.
Fees will be automatically rebated back to your account at the end of the statement cycle.
Non-affiliated ATM Usage Fee
$0.00
International ATM Usage Fee
$0.00
Electronic & Telephone Banking
Online Banking
Free
This Email Alert feature enables you to receive Warnings when your balance falls below a certain threshold.
Online Billpay
Free
Automated Phone Banking
Free
You can access your transaction history directly through Quicken, QuickBooks and MS Money.
Checks & Statements
Unlimited Check Writing
Yes
Free standard checks or 50% off any other style for the life of the account.
Monthly Paper Statements
Yes
Check Images with Statements
Included
Electronic Statements
Yes
You can view images of canceled checks online for the previous 18 months.
Overdrawing the Account
The Insufficient Funds Fee is $35 per overdraft.
This checking account has 2 options for Overdraft Protection.
From a linked Savings Account or a live of credit:
- No transfer fee or annual fee.
- Funds are transferred to bring the checking account's balance to $0.00.
- No transfer fee or annual fee.
- Funds are transferred to bring the checking account's balance to $0.00.
Savings and Money Market Accounts
'Choice Money Market' requires $0.00 to open, 1 cent or more to earn interest.
Current APY Information:
- 0.10 % at minimum balance to earn interest;
- 0.10% at minimum balance to avoid fees;
- 0.45% at $25,000.00
- 0.10 % at minimum balance to earn interest;
- 0.10% at minimum balance to avoid fees;
- 0.45% at $25,000.00
The account has a monthly service fee of $12.00. This fee can be waived if you:
- Maintain a minimum balance of $1,000.00;
- Being 62 or older.
- Maintain a minimum balance of $1,000.00;
- Being 62 or older.
'Convenience Savings' requires $0.00 to open, 1 cent or more 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
- 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 $4.00. This fee can be waived if you:
- Maintain a minimum balance of $250.00;
- Being 62 or older.
- Maintain a minimum balance of $250.00;
- Being 62 or older.
'Elite Savings' requires $0.00 to open, 1 cent or more to earn interest.
Current APY Information:
- 0.25% at minimum balance to earn interest;
- 0.55% at minimum balance to avoid fees;
- 0.65% at $25,000.00
- 0.25% at minimum balance to earn interest;
- 0.55% at minimum balance to avoid fees;
- 0.65% at $25,000.00
The account has a monthly service fee of $12.00. This fee can be waived if you:
- Maintain a minimum balance of $10,000.00;
- Being 62 or older.
- Maintain a minimum balance of $10,000.00;
- Being 62 or older.
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How We Get Our Information
We conduct our own research for the largest US banks and we audit the information provided by community banks and credit unions.
Our branch location database is sourced from the FDIC and is updated with information provided by banks and credit unions.
We make best efforts to maintain accurate data, but we suggest you verify this information prior to opening an account.
All deposit accounts in FindABetterBank are insured by the FDIC or NCUA.
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