Minimum Opening Deposit
A $50.00 deposit is required to open this account.
You must be a senior 55 or older to open this account.
Monthly Service Fee
The Monthly Service Fee of $10.00 can be waived by maintaining $10,000.00 average combined monthly balances in any combination of the following personal accounts:checking, money markets, savings, CDs, IRAs, installment loans and lines of credit. Mortgage balances are excluded from the combines balance calculation AND/OR Bank of Arkansas mortgage with auto-debit
Annual Percentage Yield (APY)
The account earns 0.01% interest.
Debit Cards & Using ATMs
ATM Fee Reimbursements
1 ATM rebate per statement for non-Colorado State Bank and Trust and non-MoneyPass ATMs
Surcharge-Free ATM Access
Surcharge-free ATM access is available at all MoneyPass ATM locations.No fees.
Non-affiliated ATM Usage Fee
$0.00, and 1 fee rebate at an ATM outside the network per statement cycle
International ATM Usage Fee
There is a fee calculated as 3.00% of the total amount withdrawn.
Electronic & Telephone Banking
Online Bill Pay
Mobile & Text Banking
This institution supports:- A mobile-browser website 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.
Deposit Checks with Mobile Phone
This feature is available on the iPhone, iPad, and Android mobile application.
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;- Confirmation that bills have been paid;- 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
Checks & Statements
Unlimited Check Writing
Free or Discounted Checks
Free standard checks of 50% off premium styles
Monthly Paper Statements
There is no fee to receive Paper Statements
Check Images with Statements
You can receive monthly statements electronically, but if you do, you will not receive statements by mail.
Online Check Images
Images of canceled checks can be viewed online for 12 months
Overdrawing the Account
Free Account Overdraft
You can overdraw this account one time per year before being assessed an insufficient funds fee.
Negative Balance Fee
There is a $6.50 fee for a negative balance after 5 business days with less than a $0.00 balance. After that, this fee is assessed each additional day the account has a negative balance.
Returned Item Fee
The Insufficient Funds Fee is $32.50 per overdraft. There is one overdraft fee refund per year.
This checking account has 3 options for Overdraft Protection.From a linked Savings Account:- Transfer fee of $7.50. 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 $7.50. 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 $12.50. The transfer fee is charged per transaction;- Funds are transferred to bring the account balance to $0.00.
About Colorado State Bank and Trust
"Colorado State Bank & Trust - Long Live Your Money." Colorado State Bank & Trust is based in Denver and offers financial services from 15 locations in the Denver area. Part of the BOKF Corp, they offer checking, savings, loan, investment, and wealth management services to individuals and companies throughout Colorado. From BOFK's website: "[Our] vision is to provide sophisticated nationally competitive products with personal responsive client service."