Minimum Opening Deposit
A $50.00 deposit is required to open this account.
Monthly Service Fee
The Monthly Service Fee of $16.95 can be waived by:- Maintaining an minimum combined daily balance of $4,000.00 in deposit accounts;- Or by maintaining a combined daily balance of $20,000.00 in deposits or loans. This fee is discounted by $2.00 when signing up for Direct Deposit.
Annual Percentage Yield (APY)
The account earns 0.01% interest.
Debit Cards & Using ATMs
Non-affiliated ATM Usage Fee
There is no charge for using a non-affiliated ATM.
International ATM Usage Fee
There is a $5.00 fee each time you use a ATM in another country.
Electronic & Telephone Banking
Online Bill Pay
Mobile & Text Banking
This institution supports:- A text messaging service to view account balances;- 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.
Deposit Checks with Mobile Phone
This feature is available on the iPhone and Android mobile application.
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;- Reminders that bills are coming due for payment;- Priority Online Account notifications (i.e., change of password).
Included with Online Banking
Automated Phone Banking
Checks & Statements
Unlimited Check Writing
Free or Discounted Checks
Monthly Paper Statements
Check Images with Statements
Online Check Images
Overdrawing the Account
Negative Balance Fee
There is a $5.00 fee for a negative balance after 5 calendar days with less than a $0.00 balance. After that, this fee is assessed each additional day the account has a negative balance.
Returned Item Fee
The Insufficient Funds Fee is $37.00 per overdraft.
This checking account has 2 options for Overdraft Protection.From a linked Savings Account:- Transfer fee of $6.00. 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:- Funds are transferred to bring the account balance to $0.00.