Minimum Opening Deposit
Account may be opened with a deposit of any amount.
$0.00
Account Restrictions
You must be a senior 55 or older to open this account.
Seniors
Monthly Service Fee
$0.00
Annual Percentage Yield (APY)
The account earns 0.01% on all balances over $500.00
0.01%%
Debit Cards & Using ATMs
Debit Card
There is a $10 annual fee.
$10.00/yr
Non-affiliated ATM Usage Fee
There is a $2.50 fee each time you use a non-affiliated ATM.
$2.50/per use
International ATM Usage Fee
There is a $2.50 fee each time you use a ATM in another country. In addition, there is a fee calculated as 2.00% of the total amount withdrawn.
$2.50/per use
Electronic & Telephone Banking
Online Bill Pay
If you enroll in the optional Bill Pay service, you must make at least three bill payments per month. Otherwise, you will incur a $5.00 inactivity fee.
Free
Mobile & Text Banking
This institution supports:- A text messaging service to view account balances, view recent activity, transfer funds, receive alerts;- 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 recent activity, transfer funds, pay bills, locate ATMs.
Free
Deposit Checks with Mobile Phone
This feature is available on the iPhone, iPad, and Android mobile application.
Free
Person-to-Person Payments
Zelle is a person-to-person payment service built into the bank's mobile app that enables you to send money to a person using their email address or mobile phone number. The recipient gets a message with instructions to complete the payment.
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;- The bad news that your account balance is below $0;- Reminders that bills are coming due for payment;- 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
Yes
Check Images with Statements
There is a $2.00 monthly fee to receive images of canceled checks with monthly statements.
$2.00/month
Online Statements
Yes
Online Check Images
Images of canceled checks can be viewed online.
Yes
Overdrawing the Account
Returned Item Fee
The Insufficient Funds Fee is $34.00 per overdraft.
$34.00/per item
Overdraft Protection
This checking account has 2 options for Overdraft Protection.From a linked Savings Account:- Annual fee of $20.00;- 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 Overdraft Line of Credit:- Annual fee of $20.00;- Funds are transferred to bring the account balance to $0.00.