Minimum Opening Deposit
A $50.00 deposit is required to open this account.
$50.00
Account Restrictions
You must be a full-time student 23 or younger to open this account.
Students
Monthly Service Fee
$0.00
Debit Cards & Using ATMs
Debit Card
$0.00/yr
Surcharge-Free ATM Access
Surcharge-free ATM access is available at Allpoint and Publix Super Market ATM network locations.
Yes
Non-affiliated ATM Usage Fee
There is a $2.95 fee each time you use a non-affiliated ATM.
$2.95/per use
International ATM Usage Fee
There is a $5.00 fee each time you use a ATM in another country plus 3.00% of the total amount withdrawn.
$5.00/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, transfer funds;- 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, locate ATMs.
Free
Deposit Checks with Mobile Phone
Free
Person-to-Person Payments
Free Thru 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;- The bad news that your account balance is below $0.
Included with Online Banking
Automated Phone Banking
Free
Checks & Statements
Unlimited Check Writing
Unavailable
Free or Discounted Checks
No
Monthly Paper Statements
Yes
Check Images with Statements
Included
Online Statements
Yes
Online Check Images
Yes
Overdrawing the Account
Negative Balance Fee
After 5 consecutive business days of negative balance, a $25.00 fee is assessed on the 6th business day.
Yes
Returned Item Fee
The Insufficient Funds Fee is $36.00 per overdraft.
$36.00/per item
Overdraft Protection
This checking account has 2 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 Overdraft Line of Credit:- Transfer fee of $10.00. The transfer fee is charged per transaction;- Funds are transferred in fixed increments of $100.00.
Available
About Trustco Bank
From Trusco Bank's website: "The mission of Trustco Bank is to be the low cost provider of high quality services to our customers in the communities we serve and return to our owners an above average return on their investment." Trustco Bank operates over 130 locations with branches in Florida, Massachusetts, New York, New Jersey, and Vermont.