Minimum Opening Deposit
A $100.00 deposit is required to open this account.
Monthly Service Fee
The Monthly Service Fee of $11.95 can be waived by maintaining an minimum combined daily balance of $20,000.00 in deposits and loans (excluding first mortgages).
Annual Percentage Yield (APY)
The account earns 0.01% interest on all balances.
Debit Cards & Using ATMs
Non-affiliated ATM Usage Fee
International ATM Usage Fee
Electronic & Telephone Banking
Online Bill Pay
Mobile & Text Banking
This institution supports:- A text messaging service to view recent activity, locate ATMs;- A mobile-browser website to view account balances, view recent activity, transfer funds, pay bills, locate ATMs;- An iPhone and iPad 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 with People Pay
This Email Alert feature enables you to receive:- Warnings when your balance falls below a certain threshold;- Notice when transactions of a certain size or type occur;- Confirmation that bills have been paid;- An email to let you know there's a secure message for you in Online Banking.
Included with Online Banking
Automated Phone Banking
Checks & Statements
Unlimited Check Writing
Free or Discounted Checks
50% discount on all check orders
Monthly Paper Statements
There is a $2.00 fee to receive paper statements by mail.
Check Images with Statements
Check images with your paper statement available for $3.00 a month by request. Also available online for $1.00
You can receive monthly statements electronically, but if you do, you will not receive statements by mail.
Online Check Images
There is a $1.00 fee for Online check images
Overdrawing the Account
Negative Balance Fee
There is a $40.00 fee if your account remains overdrawn by over $5.00 for more than 10 business days.
Returned Item Fee
The Insufficient Funds Fee is $35.00 per overdraft.
This checking account has 3 options for Overdraft Protection.From a linked Savings 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 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 Overdraft Line of Credit:- No Transfer Fee, 18% APR on your outstanding balance Funds are transferred in fixed increments of $100.00.