Minimum Opening Deposit
A $100.00 deposit is required to open this account.
$100.00
Monthly Service Fee
The Monthly Service Fee of $12.00 can be waived by:- Maintaining a minimum daily balance of $2,500.00;- Having at least one Direct Deposit of $1000.00 per month.
$12.00
Annual Percentage Yield (APY)
The account earns 0.01% for balances over $0.00
0.01%%
Debit Cards & Using ATMs
Debit Card
$0.00/yr
MasterCard MarketPlace
This account includes 'MasterCard MarketPlace' is a savings program. Receive discounts on certain merchant offers in your area. There is no annual fee for this card.
$0.00/yr
Surcharge-Free ATM Access
Surcharge-Free access to your cash at over 50,000 Allpoint Network ATM locations worldwide.
Yes
Non-affiliated ATM Usage Fee
There is a $3.00 fee each time you use a non-affiliated ATM.
$3.00/per use
International ATM Usage Fee
There is a $3.00 fee each time you use a ATM in another country. In addition, there is a fee calculated as 3.00% of the total amount withdrawn.
$3.00/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, receive alerts;- 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 iPhone and Android mobile application.
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;- Debit card is used, Payroll check is deposited.
Included with Online Banking
Automated Phone Banking
Free
Checks & Statements
Unlimited Check Writing
Yes
Free or Discounted Checks
$10.00 off first box of Midwest Exclusive Checks and $5.00 off subsequent orders
Yes
Monthly Paper Statements
Yes
Check Images with Statements
There is a $2.50 monthly fee to receive images of canceled checks with monthly statements.
$2.50/month
Online Statements
Yes
Online Check Images
Images of canceled checks can be viewed online for 13 months.
Yes
Overdrawing the Account
Negative Balance Fee
There is a $32.00 fee for a negative balance after 7 calendar days with less than a $0.00 balance. The fee is assessed on the first business day after 7 consecutive calendar days of negative balance. After that, this fee is assessed each business day following each seven consecutive day period your account remains overdrawn
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. This fee is charged per day.- Money is transferred $100.00 at a time.From a linked Overdraft Line of Credit:- Annual fee of $35.00;- Transfer fee of $10.00. This fee is charged per day.- Money is transferred $100.00 at a time.