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"First Plus Checking" from First Bank
The Basics
A $100.00 deposit is required to open this account.
The Monthly Service Fee of $10.00 can be waived by maintaining an minimum combined daily balance of $20,000.00 in deposits and loans (excluding first mortgages).
The account earns 0.10% interest.
Debit Cards & Using ATMs
This account includes '0.25% cash rebate on signature purchases' to put money back into your account based on your debit card usage. There is no annual fee for this card.
There is a $2.00 fee each time you use a non-affiliated ATM after 4 uses per month.
There is a $3.00 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;
- Confirmation that bills have been paid;
- An email to let you know there's a secure message for you in Online Banking.
- Warnings when your balance falls below a certain threshold;
- Confirmation that bills have been paid;
- An email to let you know there's a secure message for you in Online Banking.
Online Billpay
Free
This institution supports a text messaging service to receive alerts.
Automated Phone Banking
Free
You can access your transaction history directly through Quicken.
Checks & Statements
Unlimited Check Writing
Yes
The first order of 'basic' checks is discounted by 50 percent for all new account holders.
Reorders of 'basic' checks are discounted by 50 percent for all account holders.
Monthly Paper Statements
Yes
Free check images offered online and with your paper statement.
Electronic Statements
Yes
Images of canceled checks can be viewed online for 18 months.
Overdrawing the Account
The Insufficient Funds Fee is $32.00 per overdraft.
This checking account has one option for Overdraft Protection.
From a linked Overdraft Line of Credit:
- Funds are transferred in fixed increments of $100.00.
- Funds are transferred in fixed increments of $100.00.
You may establish an Overdraft Line of Credit after your checking account has been open for 60 days. Funds are transferred in fixed increments of $100.00.
Savings and Money Market Accounts
'Statement Savings' requires $100.00 to open and $100.00 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 $3.00. This fee can be waived if you maintain a minimum balance of $100.00.
'Performance Money Market' requires $100.00 to open and $100.00 to earn interest.
Current APY Information:
- 0.10 % at minimum balance to earn interest;
- 0.10% at minimum balance to avoid fees;
- 1.25% at $25,000.00
- 0.10 % at minimum balance to earn interest;
- 0.10% at minimum balance to avoid fees;
- 1.25% 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 $1,000.00.
We suggest you also consider:
From Redwood Credit Union's website: "Redwood Credit Union (RCU) is a full service financial institution, assisting consumers and small business owners with achieving their financial goals and dreams since 1950." Redwood Credit Union has 15 locations, offering checking, savings and investment, loan, and insurance services to its community.
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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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