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 $15.00 can be waived by maintaining $10,000.00 average combined monthly balances in any combination of the following personal accounts:checking, money markes, 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 fee rebate at an ATM outside the network per statement cycle
Surcharge-Free ATM Access
Surcharge-free ATM access is available at all MoneyPass ATMs
Non-affiliated ATM Usage Fee
There is no fee when you use a non-affiliated ATM.
International ATM Usage Fee
3% of the total transaction amount for transactions made at ATMs outside the U.S.
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.
Free Thru Zelle
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 is 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 initial supply of standard checks or 50% off premium styles
Monthly Paper Statements
Check Images with Statements
Images of canceled checks are included in monthly 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.
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 fee refunded per year
This checking account has 3 options for Overdraft Protection.From a linked Savings Account:- No Transfer Fee- Funds are transferred to bring the account balance to $0.00.From a linked Alternate Checking Account:- No Transfer Fee- Funds are transferred to bring the account balance to $0.00.From a linked Overdraft Line of Credit:- No Transfer fee;- Funds are transferred to bring the account balance to $0.00.
About Bank of Arizona
"Bank of Arizona - Long Live Your Money." Bank of Arizona is based in Phoenix and offers financial services from their five locations in Phoenix, Tuscon, and Mesa. Part of the BOKF Corp family of banks, they offer checking, savings, loan, investment, and wealth management services to individuals and companies in Arizona. From BOFK's website: "[Our] vision is to provide sophisticated nationally competitive products with personal responsive client service."