Minimum Opening Deposit
A $50.00 deposit is required to open this account.
$50.00
Monthly Service Fee
The Monthly Service Fee of $8.00 can be waived by:- Maintaining a minimum monthly balance of $1,000.00;- Having at least one Direct Deposit;- Being a student;
$8.00
Debit Cards & Using ATMs
Debit Card
$0.00/yr
Surcharge-Free ATM Access
Surcharge-Free access to your cash at all Presto ATMs.No fees
Yes
Non-affiliated ATM Usage Fee
There is a $2.00 fee each time you use a non-affiliated ATM. You can avoid this fee by using any Presto ATM.
$2.00/per use
International ATM Usage Fee
There is a fee calculated as 3.00% of the total amount withdrawn.
$0.00
Electronic & Telephone Banking
Online Bill Pay
Free
Mobile & Text Banking
This institution supports:- A text messaging service to view account balances, view recent activity;- 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.
Free
Deposit Checks with Mobile Phone
This feature is available on the Iberia Bank iPhone and Android application.
Free
Email Alerts
This Email Alert feature enables you to receive warnings when your balance falls below a certain threshold.
Included with Online Banking
Automated Phone Banking
Free
Checks & Statements
Unlimited Check Writing
Yes
Free or Discounted Checks
No
Monthly Paper Statements
There is a $2.00 fee to receive Paper Statements.
$2.00/month
Check Images with Statements
Not Included
Online Statements
Yes
Online Check Images
Images of canceled checks can be viewed online for 12 months.
Yes
Overdrawing the Account
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 $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:- $35.00 annual fee;- Funds are transferred to bring the account balance to $0.00.