Minimum Opening Deposit
A $1.00 deposit is required to open this account. You must be a senior 62 or older to open this account.
$1.00
Account Restrictions
You must be a senior 62 or older to open this account.
Seniors
Monthly Service Fee
$0.00
Annual Percentage Yield (APY)
The account earns 0.02% for balances over $10,000.00 and 0.02% at $10,000.
0.02%%
Debit Cards & Using ATMs
Debit Card
$0.00/yr
ATM Fee Reimbursements
ATM Refunds 4 Foreign ATM refunds per month, up to $15.
Yes
Non-affiliated ATM Usage Fee
There is a $1.50 fee each time you use a non-affiliated ATM after 4 uses per month.
$1.50/per use
International ATM Usage Fee
There is a $2.50 fee each time you use a ATM in another country.
$2.50/per use
Electronic & Telephone Banking
Online Bill Pay
Free
Mobile & Text Banking
This institution supports:- A text messaging service to view account balances, view recent activity, receive alerts;- A mobile-browser website to view account balances, view recent activity, transfer funds, pay bills, receive alerts;- An iPhone application to view account balances, view recent activity, transfer funds, pay bills, receive alerts;- An Android application to view account balances, view recent activity, transfer funds, pay bills, receive alerts.
Free
Deposit Checks with Mobile Phone
This feature is available on iPhone, iPad and Android mobile applications.
Free
Email Alerts
This Email Alert feature enables you to receive:- Warnings when your balance falls below a certain threshold;- An email to let you know there's a secure message for you in Online Banking;- Priority Online Account notifications (i.e., change of password).
Included with Online Banking
Automated Phone Banking
Free
Checks & Statements
Unlimited Check Writing
Yes
Free or Discounted Checks
Free Branded Checks (2 boxes annually) for all new account holders.
Yes
Monthly Paper Statements
$2.00/month
Check Images with Statements
Included
Online Statements
Yes
Online Check Images
Images of canceled checks can be viewed online.
Yes
Overdrawing the Account
Returned Item Fee
The Insufficient Funds Fee is $30.00 per overdraft.
$30.00/per item
Overdraft Protection
This checking account has 2 options for Overdraft Protection.From a linked Savings Account:- Transfer fee of $5.00. The transfer fee is charged per transaction;- Funds are transferred in fixed increments of $20.00.From a linked Alternate Checking Account:- Transfer fee of $5.00. The transfer fee is charged per transaction;- Funds are transferred in fixed increments of $20.00.