Minimum Opening DepositA $25 deposit is required to open this account.
Monthly Service FeeThe Monthly Service Fee of $14.95 can be waived by: - Having an open U.S. Bank personal loan, line of credit, home equity loan, home equity line of credit, or credit card.
Debit Cards & Using ATMs
Surcharge-Free ATM AccessSurcharge-Free access to your cash at all Money Pass ATM locations.
Non-affiliated ATM Usage FeeThere is a $2.50 fee each time you use a non-affiliated ATM after 2 uses per month.
International ATM Usage FeeThere is a $2.50 fee each time you use a ATM in another country after 2 uses per month. There is an additional international withdrawal fee equal to a small percentage of the amount withdrawn.
Electronic & Telephone Banking
Online Bill Pay
Mobile & Text BankingThis institution supports:A text messaging service to receive alerts. - A mobile-browser website to view account balances, view recent activity, transfer funds, locate ATMs; - A downloadable mobile application for iPhone, Blackberry, and Android to view account balances, view recent activity, transfer funds.
Deposit Checks with Mobile Phone
Email AlertsThis Email Alert feature enables you to receive: - Warnings when your balance falls below a certain threshold; - Notice of deposits or withdrawals over a certain threshold; - Confirmation that bills have been paid; - Priority Online Account notifications (i.e., change of password); - When eStatement is ready.
Included with Online Banking
Automated Phone Banking
Checks & Statements
Unlimited Check Writing
Free or Discounted Checks
Monthly Paper Statements
Check Images with Statements
Online Check ImagesImages of canceled checks can be viewed online.
Overdrawing the Account
Negative Balance FeeThere is a $36.00 fee for a negative balance after 7 calendar days with less than a $0.00 balance. After that, this fee is assessed after every 7 days with a negative balance.
Initial Returned Item FeeThere is a $36.00 fee for each overdraft over $5.01.
Overdraft ProtectionThis checking account has 3 options for Overdraft Protection. From a linked Savings Account: - No Transfer Fee; - Funds are transferred in fixed increments of $50.00. From a linked Credit Card Account: - Transfer fee of $7.50. The transfer fee is charged per day; - Funds are transferred in fixed increments of $50.00. From a linked Overdraft Line of Credit: - Transfer fee of $7.50. The transfer fee is charged per day; - Funds are transferred in fixed increments of $50.00.