Minimum Opening Deposit
A $50.00 deposit is required to open this account.
$50.00
Monthly Service Fee
The Monthly Service Fee of $10.00 can be waived by:- Maintaining an average daily balance of $1,000.00;- Maintaining an combined average daily balance of $5,000.00.-If Primary Owner is 50 years old or older.
Surcharge-Free ATM Access
ATM access to over 55,000 ATMs in the Flagstar, Allpoint, and Presto! networks in all 50 states.
Yes
Non-affiliated ATM Usage Fee
There is a $2.50 fee each time you use a non-affiliated ATM. This fee can be waived two times per statement cycle.
$2.50/per use
International ATM Usage Fee
There is a $2.50 fee for using an out of network ATM
$2.50/per use
Electronic & Telephone Banking
Online Bill Pay
Free
Mobile & Text Banking
This institution supports:- A text messaging service to view account balances, pay bills;- A mobile-browser website to view account balances, view recent activity, transfer funds, pay bills, receive alerts, locate ATMs;- A downloadable mobile application to view account balances, view recent activity, transfer funds, pay bills, receive alerts, locate ATMs;- An iPhone application to view account balances, view recent activity, transfer funds, pay bills, receive alerts, locate ATMs;- An Android application to view account balances, view recent activity, transfer funds, pay bills, receive alerts, locate ATMs.
Free
Deposit Checks with Mobile Phone
Free
Person-to-Person Payments
PopMoney-free for standard 3 day delivery, $1.00 for a next day transfer
Free
Email Alerts
This Email Alert feature enables you to receive:- An email to let you know there's a secure message for you in Online Banking;- Priority Online Account notifications (i.e., change of password).
Included with Online Banking
Automated Phone Banking
Free
Checks & Statements
Unlimited Check Writing
Yes
Free or Discounted Checks
Free box of custom checks or 50% off any other check style(once per year) for customers aged 50+
Yes
Monthly Paper Statements
Yes
Check Images with Statements
Included
Online Statements
Yes
Online Check Images
Images of canceled checks can be viewed online for 6 months.
Yes
Overdrawing the Account
Returned Item Fee
$36.00/per item
Overdraft Protection
This checking account has 3 options for Overdraft Protection.From a linked Savings Account:- Transfer fee of $10.00. The transfer fee is charged per transaction;- Funds are transferred to bring the account balance to $0.00.From a linked Alternate Checking Account:- Transfer fee of $10.00. 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 $10.00 plus interest. The transfer fee is charged per transaction;- Funds are transferred to bring the account balance to $0.00.