Minimum Opening Deposit
A $50.00 deposit is required to open this account.
$50.00
Account Restrictions
You must be a senior 60 or older to open this account.
Seniors
Monthly Service Fee
The Monthly Service Fee of $8.00 can be waived by maintaining a minimum daily balance of $500.00.
$8.00
Annual Percentage Yield (APY)
The account earns 0.02% interest.
0.02%%
Debit Cards & Using ATMs
Debit Card
$0.00/yr
Non-affiliated ATM Usage Fee
There is a $2.00 fee each time you use a non-affiliated ATM.
$2.00/per use
International ATM Usage Fee
There is a $2.00 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 In addition, there is a fee calculated as 2.00% of the total amount withdrawn.
$2.00/per use
Electronic & Telephone Banking
Online Bill Pay
Free
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.
Free
Deposit Checks with Mobile Phone
This feature is available on iPhone, iPad, and Android mobile applications.
Free
Person-to-Person Payments
Zelle
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;- when a specific check clears.
Included with Online Banking
Automated Phone Banking
Free
Checks & Statements
Unlimited Check Writing
Yes
Free or Discounted Checks
One free box per year of special member checks and 50% of any other check offer
Yes
Monthly Paper Statements
Yes
Check Images with Statements
No fee
Included
Online Statements
Yes
Online Check Images
Yes
Overdrawing the Account
Negative Balance Fee
There is a $36.00 fee after 10 days that your account has a negative balance.
Yes
Returned Item Fee
The Insufficient Funds Fee is $36.00 per overdraft.
$36.00/per item
Overdraft Protection
This checking account has 4 options for Overdraft Protection.From a linked Savings Account:- 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 Alternate Checking Account:- Transfer fee of $10.00. The transfer fee is charged per transaction;- Funds are transferred to bring the account balance to $0.00.From a linked Credit Card Account:The Transfer fee is 3% of transferred amount with a $10.00 minimum and a $60.00 maximum. 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:- Transfer fee of $10.00. The transfer fee is charged per day;- Funds are transferred to bring the account balance to $0.00.