Minimum Opening Deposit
A $50.00 deposit is required to open this account.
$50.00
Account Restrictions
You must be a senior 62 or older to open this account.
Seniors
Monthly Service Fee
$0.00
Debit Cards & Using ATMs
Debit Card
$0.00/yr
Surcharge-Free ATM Access
In addition to using Money Pass ATMs with no fee,you can also use ATMs for Zions Bank, Amegy, National Bank of Arizona, Califonia Bank & Trust and Nevada State Bank surcharge free
Yes
Non-affiliated ATM Usage Fee
The first fee is waived, $2.00 fee each time afterwards
$2.00/per use
International ATM Usage Fee
There is a fee calculated as 1.50% of the total amount withdrawn.
$0.00
Electronic & Telephone Banking
Online Bill Pay
Free
Mobile & Text Banking
Free
Deposit Checks with Mobile Phone
This feature is available on the iPhone, iPad, and Android mobile application.
Free
Person-to-Person Payments
Free Thru Zelle
Free
Email Alerts
Included with Online Banking
Automated Phone Banking
Free
Checks & Statements
Unlimited Check Writing
Yes
Free or Discounted Checks
The first order of 'basic' checks is free for seniors.Reorders of 'basic' checks are free for seniors.
Yes
Monthly Paper Statements
Yes
Check Images with Statements
Included
Online Statements
Yes
Online Check Images
Yes
Overdrawing the Account
Negative Balance Fee
$8.00 fee will be charged starting on the 5th day and each subsequent day the account is overdrawn by more then $10.00 for a maximum of 30 days per occurrence
Yes
Returned Item Fee
The Insufficient Funds Fee is $35.00 per overdraft.
$35.00/per item
Overdraft Protection
This checking account has 3 options for Overdraft Protection.From a linked Savings Account:- Transfer fee of $8.00. 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 $8.00. 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 $8.00. The transfer fee is charged per transaction;- Funds are transferred to bring the account balance to $0.00.