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The Basics
A $50.00 deposit is required to open this account.
The Monthly Service Fee of $10.00 can be waived by:
- Maintaining an average daily balance of $1,000.00;
- Being a student;
- If you make 3 transactions (deposits or withdrawals) during the statement cycle.
- Maintaining an average daily balance of $1,000.00;
- Being a student;
- If you make 3 transactions (deposits or withdrawals) during the statement cycle.
The account earns 0.05% for balances over $0.00 and 0.10% at $10,000.
Debit Cards & Using ATMs
This account includes 'M&I Rewards' program to earn points for gifts and other items. No annual fee.
There is a $2.00 fee each time you use a non-affiliated ATM after 4 uses per month. This fee is waived if account holder is under 25.
After your first 4 withdrawals, there is a $2.00 fee each time you use a ATM in another country. In addition, there is a 1.00% international withdrawal fee.
Electronic & Telephone Banking
Online Banking
Free
This Email Alert feature enables you to receive:
- Notification that certain payments have been made.
- Warning when your balance falls below an amount you specify
- Alert when transfers fail to process
- Notification that certain payments have been made.
- Warning when your balance falls below an amount you specify
- Alert when transfers fail to process
You can download 13 months 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 mobile-browser website 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.
- Schedulable text alerts for certain account activity.
- A mobile-browser website 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.
- Schedulable text alerts for certain account activity.
Automated Phone Banking
Free
Checks & Statements
Unlimited Check Writing
Yes
The first order of 'basic' checks is free for all new account holders.
Reorders of 'basic' checks are free for seniors.
Monthly Paper Statements
Yes
You can choose to receive images of canceled checks in monthly statements for an optional fee of $2.00 per month. No fee for anyone over 55.
Electronic Statements
Yes
Images of canceled checks can be viewed online for 60 days.
Overdrawing the Account
The Insufficient Funds Fee is $31.00 per overdraft.
This checking account has 3 options for Overdraft Protection.
From a linked Savings Account or Overdraft Line of Credit:
- Transfer fee of $10.00. The transfer fee is charged per day;
- Funds are transferred in fixed increments of $100.00.
- Transfer fee of $10.00. The transfer fee is charged per day;
- Funds are transferred in fixed increments of $100.00.
From a linked Credit Card Account:
- Transfer fee of $7.00. The transfer fee is charged per day;
- Funds are transferred in $100 increments.
- Transfer fee of $7.00. The transfer fee is charged per day;
- Funds are transferred in $100 increments.
Savings and Money Market Accounts
'Personal Savings' requires $50.00 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 quarterly service fee of $6.00. This fee can be waived if you maintain a minimum balance of $200.00.
'Growth Money Market Account' requires $50.00 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;
- 0.50% at $25,000.00
- 0.05% at minimum balance to earn interest;
- 0.05% at minimum balance to avoid fees;
- 0.50% at $25,000.00
The account has a monthly service fee of $10.00. This fee can be waived if you maintain a minimum balance of $2,500.00.
'Premier Money Market' requires $25,000.00 to open and $0.00 to earn interest.
Current APY Information:
- 0.05% at minimum balance to earn interest;
- 1.50% at minimum balance to avoid fees;
- 1.50% at $25,000.00
- 0.05% at minimum balance to earn interest;
- 1.50% at minimum balance to avoid fees;
- 1.50% at $25,000.00
The account has a monthly service fee of $35.00. This fee can be waived if you maintain a minimum balance of $25,000.00.
We suggest you also consider:
From GTE Federal Credit Union's website: "Founded in 1935 during the Great Depression, GTE Federal Credit Union is one of the largest locally owned and operated financial institutions in Tampa Bay [...]" They have 28 branches in and around Tampa Bay, offering deposit, loans, investment, and insurance services.
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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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