Minimum Opening Deposit
A $50.00 deposit is required to open this account.
$50.00
Monthly Service Fee
The Monthly Service Fee of $10.00 can be waived by:- Maintaining a $1,000.00 minimum daily balance; OR by meeting the same requirements to earn the higher interest rate.
$10.00
Interest Rate
This is a high-yield interest checking account. You can earn 1.15% on balances up to $30,000.00. The rate for balances over $30,000.00 is 0.05%. The rate if you don't qualify for the bonus rate is 0.05%.To qualify for the bonus rate, each month you must: - Make at least 12 debit card purchases; - Receive monthly statements electronically; - Have at least one direct deposit; - Be enrolled in online banking.
up to 1.15%
Debit Cards & Using ATMs
Debit Card
$0.00/yr
ATM Fee Reimbursements
Rebates can be earned by performing the following monthly requirements:- Having at least one direct deposit;- 12 debit card transactions;- Being enrolled in online banking and eStatements.This account includes rebates of ATM fees when you use non-affiliated ATMs with the following limits:- Up to $2.00 per transaction;- Rebates for up to 5 transactions per month.Rebates are credited to your account at the end of the statement cycle.
Yes
Non-affiliated ATM Usage Fee
There is a $2.00 fee each time you use a non-affiliated ATM after 5 users per month.
$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 In addition, there is a fee calculated as 2.00% of the total amount withdrawn.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
No
Monthly Paper Statements
$2.00/month
Check Images with Statements
Images of cancelled checks may be included in monthly statements for $4.00 per month. This fee is waived if you keep a balance of $500 or more in this account.
$4.00/month
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.