Minimum Opening Deposit
A $50.00 deposit is required to open this account.
Monthly Service Fee
The Monthly Service Fee of $22.00 can be waived by:- Maintaining a minimum daily balance of $7,500.00;- Maintaining an minimum combined daily balance of $20,000.00 in this account and up to three other related Comerica accounts (including Statement Savings and Money Market Accounts, CDs and IRAs). The monthly fee can be discounted to $20.00 by opting in to receive eStatements.
Annual Percentage Yield (APY)
This account earns 0.01% interest on all balances over $1.00.
Debit Cards & Using ATMs
ATM Fee Reimbursements
This account includes rebates of ATM fees when you use non-affiliated ATMs with the following limits:- Rebates for up to 4 transactions per month.Each rebate is credited to your account the same business day of the transaction.
Non-affiliated ATM Usage Fee
There is a $2.50 fee each time you use a non-affiliated ATM after your first 4 uses per cycle.
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, view recent activity, receive alerts, locate ATMs;- A mobile-browser website to view account balances, view recent activity, receive alerts, 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 Comerica Android and iPhone mobile application.
Comerica Person to Person Transfer
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;- 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);- Direct Deposit has been made.
Included with Online Banking
Automated Phone Banking
Checks & Statements
Unlimited Check Writing
Free or Discounted Checks
Free Comerica Checks
Monthly Paper Statements
Check Images with Statements
There is an $1.00 per item fee for each canceled check or image included with your monthly statements after the first 4 checks.
Online Check Images
Images of canceled checks can be viewed online for 24 months
Overdrawing the Account
Free Account Overdraft
Negative Balance Fee
A $6.00 charge each day for up to 5 days, beginning the 5th consecutive business day the account is in a negative balance.
Initial Returned Item Fee
The Insufficient Funds Fee is $26.00 for the first overdraft, $4.00 from 2 to 4 overdrafts and $38.00 for subsequent overdrafts.
This checking account has many options for Overdraft Protection.From a linked savings, money market account, or credit card:- Transfer fees are waived;- Funds are transferred to bring the account balance to $0.00 for all forms of protection except credit card, which advances money to the account in $100 increments.