Minimum Opening Deposit
A $500.00 deposit is required to open this account.
Monthly Service Fee
The Monthly Service Fee of $21.95 can be waived by maintaining an combined average daily balance of $20,000.00.-OR by having $50,000 in deposit CD or loan balances.
Annual Percentage Yield (APY)
The account earns 0.01% interest.
Debit Cards & Using ATMs
ATM Fee Reimbursements
This account includes rebates of any ATM fees you incur when you use a non-affiliated ATM.
Surcharge-Free ATM Access
Non-affiliated ATM Usage Fee
There is no charge for using a non-affiliated ATM.
International ATM Usage Fee
Electronic & Telephone Banking
Online Bill Pay
Mobile & Text Banking
This institution supports:- A text messaging service to view account balances;- 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.
Deposit Checks with Mobile Phone
This feature is available on the iPhone 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;- Reminders that bills are coming due for payment;- 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
The first order of 'basic' checks is free for all new account holders.Reorders of 'basic' checks are free for all account holders.
Monthly Paper Statements
Check Images with Statements
Online Check Images
Images of canceled checks can be viewed online for 2 months.
Overdrawing the Account
Negative Balance Fee
There is a $5.00 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.
Returned Item Fee
The Insufficient Funds Fee is $37.00 per overdraft.
This checking account has 2 options for Overdraft Protection.From a linked Savings Account:- Funds are transferred to bring the account balance to $0.00.From a linked Overdraft Line of Credit:- Funds are transferred to bring the account balance to $0.00.