Minimum Opening Deposit
A $50.00 deposit is required to open this account.
$50.00
Monthly Service Fee
The Monthly Service Fee of $25.00 can be waived by:- Maintaining an average daily balance of $5,000.00;- Maintaining an combined average daily balance of $25,000.00.
$25.00
Annual Percentage Yield (APY)
The account earns 0.01% for balances over $0.00, 0.03% at $5,000 0.04% @ $25,000
up to 0.04%%
Debit Cards & Using ATMs
Debit Card
$0.00/yr
ATM Fee Reimbursements
Refund up to $20 per statement cycle on ATM fees charged by other banks (upon request).
Yes
Surcharge-Free ATM Access
ATM access to over 55,000 ATMs in the Flagstar, Allpoint, and Presto! networks in all 50 states.
Yes
Non-affiliated ATM Usage Fee
Fee waived when you use another bank's ATM.
$0.00
International ATM Usage Fee
There is a $2.50 fee for using an out of network ATM
$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, pay bills;- A mobile-browser website to view account balances, view recent activity, transfer funds, pay bills, receive alerts, locate ATMs;- A downloadable mobile application to view account balances, view recent activity, transfer funds, pay bills, receive alerts, locate ATMs;- An iPhone application to view account balances, view recent activity, transfer funds, pay bills, receive alerts, locate ATMs;- An Android application to view account balances, view recent activity, transfer funds, pay bills, receive alerts, locate ATMs.
Free
Deposit Checks with Mobile Phone
Free
Person-to-Person Payments
PopMoney-free for standard 3 day delivery, $1.00 for a next day transfer
Free
Email Alerts
This Email Alert feature enables you to receive:- 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 box of custom checks or 50% off any other check style(once per year)
Yes
Monthly Paper Statements
Yes
Check Images with Statements
Included
Online Statements
Yes
Online Check Images
Images of canceled checks can be viewed online for 6 months.
Yes
Overdrawing the Account
Returned Item Fee
$36.00/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:- Transfer fee of $10.00 plus interest. The transfer fee is charged per transaction;- Funds are transferred to bring the account balance to $0.00.