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The Basics
A $25.00 deposit is required to open this account.
Monthly Service Fee
$0.00
This single product includes three accounts--Spend, Reserve and Growth--offering different access and interest rates designed to function as both your checking and savings accounts. The Growth Account earns 1.10% APY.
Debit Cards & Using ATMs
This account includes 'PNC Points' program to earn points for gifts and other items. There is no annual fee for this card.
This account includes rebates of any ATM fees you incur when you use a non-affiliated ATM.
Each rebate is credited to your account the same business day of the transaction.
To qualify, you must maintain an average balance of $2,000 in your 'Spend' and 'Reserve' Accounts.
There is a $2.00 fee each time you use a non-affiliated ATM. This fee can be waived by maintaining an average balance of $2,000.00 between your 'Spend' and 'Reserve' Accounts.
There is a $3.50 fee each time you use an ATM in another country. This fee can be waived by maintaining an average balance of $2,000.00 between your 'Spend' and 'Reserve' Accounts.
Electronic & Telephone Banking
In addition to the standard online banking features, this service includes personal finance tools for budgeting and planning.
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;
- Notice of a direct deposit to this account.
- Warnings when your balance falls below a certain threshold;
- The bad news that your account balance is below $0;
- Notice of a direct deposit to this account.
Online Billpay
Free
This institution supports:
- A downloadable app that you can use 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.
- A text message alert service that allows you to check balances and recent transactions.
- A downloadable app that you can use 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.
- A text message alert service that allows you to check balances and recent transactions.
Automated Phone Banking
Free
Checks & Statements
No fee on the first 3 each month, but every one after that each month costs $0.50.
Free introductory box of checks.
Monthly Paper Statements
No
Check Images with Statements
Not Included
Electronic Statements
Yes
Images of canceled checks can be viewed online for 90 days.
Overdrawing the Account
The Insufficient Funds Fee is $25.00 for the first overdraft and $36.00 for subsequent overdrafts.
This checking account has one option for Overdraft Protection.
From your Reserve Account:
- No transfer fee;
- Funds are transferred to bring the account balance to $0.00.
- No transfer fee;
- Funds are transferred to bring the account balance to $0.00.
Savings and Money Market Accounts
'Statement Savings' requires $25.00 to open and $1.00 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 $4.00. This fee can be waived if you:
- Maintain a average balance of $400.00;
- Schedule an automatic transfer of $25 or more from your checking account.
- Maintain a average balance of $400.00;
- Schedule an automatic transfer of $25 or more from your checking account.
'Premium Money Market' requires $100.00 to open and 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;
- 0.30% at $25,000.00
- 0.10 % at minimum balance to earn interest;
- 0.10% at minimum balance to avoid fees;
- 0.30% at $25,000.00
The account has a monthly service fee of $10.00. This fee can be waived if you maintain a average balance of $1,000.00.
'Savings Max' requires $100.00 to open and $10,000.00 to earn interest.
Current APY Information:
- 0.25% at minimum balance to earn interest;
- 0.25% at minimum balance to avoid fees;
- 0.30% at $25,000.00
- 0.25% at minimum balance to earn interest;
- 0.25% at minimum balance to avoid fees;
- 0.30% at $25,000.00
The account has a monthly service fee of $15.00. This fee can be waived if you maintain a average balance of $10,000.00.
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All deposit accounts in FindABetterBank are insured by the FDIC or NCUA.
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