Minimum Opening Deposit
A $10.00 deposit is required to open this account.
Monthly Service Fee
Debit Cards & Using ATMs
Surcharge-Free ATM Access
Surcharge-Free access is available at all SUM network ATM's.SUM is part of the NYCE network. NYCE and Cirrus ATMS are also surcharge free
Non-affiliated ATM Usage Fee
There is a $3.00 fee each time you use a non-affiliated ATM.
International ATM Usage Fee
There is a $2.50 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, view recent activity;- 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 Android and iPhone 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.
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 $35.00 fee for a negative balance after the first calendar day with less than a $0.00 balance. After that, this fee is assessed every 5 days with 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 $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:- Funds are transferred to bring the account balance to $0.00. There is no transfer fee but interest charges may apply.
About Berkshire Bank
From Berkshire Bank's website: For over 165 years, Berkshire Bank has delivered excellent service and performance.
As customers of Berkshire Bank, you have access to our network of financial services across our lines of business including banking, insurance, and wealth management.