Minimum Opening Deposit
A $100.00 deposit is required to open this account.You must be a senior 50 or older to open this account.
$100.00
Account Restrictions
You must be a senior 50 or older to open this account.
Seniors
Monthly Service Fee
$0.00
Debit Cards & Using ATMs
Debit Card
$0.00/yr
Non-affiliated ATM Usage Fee
There is a $1.00 fee each time you use a non-affiliated ATM.
$1.00/per use
International ATM Usage Fee
There is a fee calculated as 2.00% of the total amount withdrawn.
$0.00
Electronic & Telephone Banking
Online Bill Pay
BillPay is free when 3 or more bills are paid per calendar month. A fee of $5.95 is assessed in months where this minimum is not met.
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;- 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.
Free
Deposit Checks with Mobile Phone
N/A
Free
Email Alerts
This Email Alert feature enables you to receive:- Warnings when your balance falls below 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
There is a $1.00 transaction fee each time you use the automated telephone banking service after the first 2 transactions.
$1.00/transaction
Checks & Statements
Unlimited Check Writing
Yes
Free or Discounted Checks
Free BancFirst Seniority personalized wallet-style checks.
Yes
Monthly Paper Statements
Yes
Check Images with Statements
Included
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 $25.00 per overdraft.
$25.00/per item
Overdraft Protection
This checking account has 3 options for Overdraft Protection.From a linked Savings Account:- Transfer fee of $5.00. 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 $5.00. 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 $5.00. The transfer fee is charged per transaction;- Funds are transferred to bring the account balance to $0.00.