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"Custom Management Package" from Wells Fargo
The Basics
A $100.00 deposit is required to open this account.
The Monthly Service Fee of $8.00 can be waived by maintaining a $1,000 minimum daily balance OR an automatic transfer of $25 or more to your Goal Savings account OR a direct deposit of $100 or more.
Debit Cards & Using ATMs
This account includes 'Exclusive Rewards Program' program to earn points for gifts and other items. The annual fee for this program is $12.00.
There is a $2.50 fee each time you use a non-affiliated ATM.
There is a $5.00 fee each time you use a ATM in another country.
Electronic & Telephone Banking
Online Banking
Free
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.
- Warnings when your balance falls below a certain threshold;
- Notice of deposits or withdrawals over a certain threshold.
You can download 2 years of transaction history in the following formats:
- Quicken 2007 and above;
- MS Money for 2007 and above.
- Quicken 2007 and above;
- MS Money for 2007 and above.
Online Billpay
Free
This institution supports:
- A text messaging service to view account balances, view recent activity;
- A mobile-browser website to view account balances, view recent activity, transfer funds, pay bills, locate ATMs;
- A downloadable mobile application to view account balances, view recent activity, transfer funds, pay bills, locate ATMs.
- A text messaging service to view account balances, view recent activity;
- A mobile-browser website to view account balances, view recent activity, transfer funds, pay bills, locate ATMs;
- A downloadable mobile application to view account balances, view recent activity, transfer funds, pay bills, locate ATMs.
Automated Phone Banking
Free
You can access your transaction history directly through Quicken and MS Money.
Checks & Statements
Unlimited Check Writing
Yes
The first order of 'basic' checks is free for all new account holders.
Monthly Paper Statements
Yes
There is a $1.00 monthly fee to receive images of canceled checks with monthly statements.
Electronic Statements
Yes
Images of canceled checks can be viewed online for 90 months.
Overdrawing the Account
The Insufficient Funds Fee is $25.00 for the first overdraft and $35.00 for subsequent overdrafts.
This checking account has 3 options for Overdraft Protection.
From a linked Savings Account:
- Transfer fee of $10.00. The transfer fee is charged for every $10.00 of negative balance;
- Funds are transferred in fixed increments of $10.00.
- Transfer fee of $10.00. The transfer fee is charged for every $10.00 of negative balance;
- Funds are transferred in fixed increments of $10.00.
From a linked Credit Card Account:
- Transfer fee of $15.00. The transfer fee is charged per transaction;
- Funds are transferred to bring the account balance to $0.00.
- Transfer fee of $15.00. 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:
- Transfer fee of $15.00. The transfer fee is charged per transaction;
- Funds are transferred to bring the account balance to $0.00.
- Transfer fee of $15.00. The transfer fee is charged per transaction;
- Funds are transferred to bring the account balance to $0.00.
Savings and Money Market Accounts
'Goal Savings' requires $100.00 to open and $0.00 to earn interest.
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
- 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 $3.00. This fee can be waived if you:
- Maintain a minimum balance of $300.00;
- Schedule an automatic transfer of $25 or more from another Wells Fargo account;
- Have a direct deposit to this account.
- Maintain a minimum balance of $300.00;
- Schedule an automatic transfer of $25 or more from another Wells Fargo account;
- Have a direct deposit to this account.
'Money Market Savings' requires $100.00 to open and $0.00 to earn interest.
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;
- Plus 0.10% APY bonus when linked to a PMA Prime, Custom Management or Complete Advantage Checking Account.
- 0.05% at minimum balance to earn interest;
- 0.05% at minimum balance to avoid fees;
- 0.05% at $25,000.00;
- Plus 0.10% APY bonus when linked to a PMA Prime, Custom Management or Complete Advantage Checking Account.
The account has a monthly service fee of $10.00. This fee can be waived if you:
- Maintain a minimum balance of $3,500.00;
- Schedule an automatic transfer of $75 or more from another Wells Fargo account to this account.
- Maintain a minimum balance of $3,500.00;
- Schedule an automatic transfer of $75 or more from another Wells Fargo account to this account.
'High Yield Savings' requires $25,000.00 to open and $0.00 to earn interest.
Current APY Information:
- 0.05% at minimum balance to earn interest;
- 0.30% at minimum balance to avoid fees;
- 0.30% at $25,000.00;
- Plus 0.10% APY bonus when linked to a PMA Prime Checking account.
- 0.05% at minimum balance to earn interest;
- 0.30% at minimum balance to avoid fees;
- 0.30% at $25,000.00;
- Plus 0.10% APY bonus when linked to a PMA Prime Checking account.
The account has a monthly service fee of $25.00. This fee can be waived if you maintain a minimum balance of $25,000.00.
We suggest you also consider:
"Colorado State Bank & Trust - Long Live Your Money." Colorado State Bank & Trust is based in Denver and offers financial services from 15 locations in the Denver area. Part of the BOKF Corp, they offer checking, savings, loan, investment, and wealth management services to individuals and companies throughout Colorado. From BOFK's website: "[Our] vision is to provide sophisticated nationally competitive products with personal responsive client service."
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