Minimum Opening Deposit
A $25.00 deposit is required to open this account.
$25.00
Account Restrictions
You must be a full-time student 25 or younger to open this account.
Students
Monthly Service Fee
The Monthly Service Fee of $4.00 can be waived by:- 5 Monthly Bill Pays or ACH deposits per monthly statement cycle.
$4.00
Debit Cards & Using ATMs
Debit Card
$0.00/yr
Surcharge-Free ATM Access
Surcharge-free ATM access is available at over 55,000 Allpoint Network ATM locations.
Yes
Non-affiliated ATM Usage Fee
There is a $2.00 fee each time you use a non-affiliated ATM.Surcharge-free ATM access is available at over 40,000 Allpoint Network ATM locations.
$2.00/per use
International ATM Usage Fee
There is a $2.00 fee each time you use a ATM in another country. In addition, there is a fee calculated as 1.00% of the total amount withdrawn.
$2.00/per use
Electronic & Telephone Banking
Online Bill Pay
Free
Mobile & Text Banking
This institution supports:- A text messaging service to view account balances, view recent activity, transfer funds;- 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;- An iPhone application to view account balances, view recent activity, transfer funds, pay bills, locate ATMs;- An Android application to view account balances, view recent activity, transfer funds, pay bills, locate ATMs.
Free
Deposit Checks with Mobile Phone
This feature is available ont the iPhone and Android mobile applications.
Free
Person-to-Person Payments
Free-Popular People Pay
Free
Email Alerts
This Email Alert feature enables you to receive:- Warnings when your balance falls below a certain threshold.- Notice of deposits or withdrawals above a certain threshold.- Confirmation that bills have been paid.
Included with Online Banking
Automated Phone Banking
Free
Checks & Statements
Unlimited Check Writing
Yes
Free or Discounted Checks
No
Monthly Paper Statements
Yes
Check Images with Statements
Included
Online Statements
Yes
Online Check Images
Images of canceled checks can be viewed online for 90 days.
Yes
Overdrawing the Account
Negative Balance Fee
There is a $5.00 fee for a negative balance after 7 business days with less than a $0.00 balance. After that, this fee is assessed each additional day the account has a negative balance.
Yes
Returned Item Fee
The Insufficient Funds Fee is $34.00 per overdraft.
$34.00/per item
Overdraft Protection
This checking account has 2 options for Overdraft Protection.From a linked Savings Account:- Transfer fee of $5.00. 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 $5.00. The transfer fee is charged per transaction;- Funds are transferred to bring the account balance to $0.00.