Minimum Opening Deposit
A $10.00 deposit is required to open this account.
$10.00
Account Restrictions
You must be a full-time student 24 or younger to open this account.
Students
Monthly Service Fee
No Monthly Fee-Must be a full time student aged 16-24, at age 25, account will be converted to a similar type.
$0.00
Debit Cards & Using ATMs
Debit Card
$0.00/yr
ATM Fee Reimbursements
One surcharge for using another bank's ATM will be rebated each month.
Yes
Surcharge-Free ATM Access
No-fee withdrawals from ATMs in the SUM Networks.
Yes
Non-affiliated ATM Usage Fee
No fee for using another bank's ATM and one surcharge from another bank will be rebated each month
$0.00
International ATM Usage Fee
There is a fee calculated as 3.00% of the total amount withdrawn.
$0.00
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, 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
Mobile Deposit is available through a separate downloadable app for both iPhone and Android.
Free
Person-to-Person Payments
Free thru Zelle
Free
Email Alerts
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;- Reminders that bills are coming due for payment;- 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 36 months.
Yes
Overdrawing the Account
Negative Balance Fee
There is a $35.00 fee for a negative balance after 5 calendar days with less than a $0.00 balance. After that, this fee is assessed every 5 days with a negative balance.
Yes
Returned Item Fee
The Insufficient Funds Fee is $35.00 per overdraft.
$35.00/per item
Overdraft Protection
This checking account has 2 options for Overdraft Protection.From a linked Savings Account:- Transfer Fee of $5.00. Funds are transferred to bring the account balance to $0.00.From a linked Overdraft Line of Credit:- Annual fee of $35.00;- Funds are transferred to bring the account balance to $0.00.