Minimum Opening Deposit
A $25.00 deposit is required to open this account.
$25.00
Monthly Service Fee
No Monthly Service Fee
$0.00
Debit Cards & Using ATMs
Debit Card
$0.00/yr
Surcharge-Free ATM Access
Unlimited fee-free transactions at over 40,000 Allpoint Network ATMs nationwide
Yes
Non-affiliated ATM Usage Fee
There is a $3.00 fee each time you use a non-affiliated ATM
$3.00/per use
International ATM Usage Fee
There is a $3.00 fee each time you use a ATM in another country. In addition, there is a fee calculated as 2.80% of the total amount withdrawn.
$3.00/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;- A mobile-browser website to view account balances, view recent activity, transfer funds, pay bills, locate ATMs and branches, and deposit checks;- An iPhone and iPad application to view account balances, view recent activity, transfer funds, deposit checks, pay bills, locate ATMs and branches;- An Android application to view account balances, view recent activity, transfer funds, deposit checks, pay bills, locate ATMs and branches.
Free
Deposit Checks with Mobile Phone
This feature is available on the iPhone, iPad, and Android mobile application.
Free
Person-to-Person Payments
$0.00 thru PeoplePay
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 over a certain threshold;- 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
No
Monthly Paper Statements
$2.00, waived if you sign up for eStatements
$2.00/month
Check Images with Statements
There is a $3.00 monthly fee to receive images of canceled checks with monthly statements. The fee is waived if you select to only receive online statements.
$3.00/month
Online Statements
Yes
Online Check Images
Images of canceled checks can be viewed online.
Yes
Overdrawing the Account
Negative Balance Fee
There is a $7.00 fee for a negative balance after 3 business days with less than a $0.00 balance. After that, this fee is assessed each additional business day the account has a negative balance.
Yes
Initial Returned Item Fee
The Insufficient Funds Fee is $36.00 per overdraft.No fee for overdrafts of $5.00 or less.
$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 day;- 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. The transfer fee is charged for every $10.00 of negative balance;- Funds are transferred in fixed increments of $10.00.