Minimum Opening Deposit
A $50.00 deposit is required to open this account.
$50.00
Monthly Service Fee
$6.00 Monthly Service Fee can not be waived
$6.00
Annual Percentage Yield (APY)
The account earns 0.03% interest.If you have at least 10 debit card transactions, one direct deposit or ACH automatic payment, receive eStatements and log on to Online Banking at renasantbank.com or your mobile device, you qualify for higher interest rates-1.51% on balances up to $25,000.00 and 0.30% on balances over $25,000.00
up to 1.51%%
Debit Cards & Using ATMs
Debit Card
$0.00/yr
ATM Fee Reimbursements
Up to $20 a month in ATM fee refunds per monthly statement period if you have at least 10 debit card transactions and receive monthly statement electronically
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.
$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, pay bills, receive alerts;- A mobile-browser website to view account balances, view recent activity, transfer funds, pay bills;- 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, iPad, and Android mobile application.
Free
Person-to-Person Payments
Free
Email Alerts
This Email Alert feature enables you to receive:- Warnings when your balance falls below a certain threshold;- 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
No
Monthly Paper Statements
Yes
Check Images with Statements
Included
Online Statements
Yes
Online Check Images
Images of canceled checks can be viewed online.
Yes
Overdrawing the Account
Returned Item Fee
The Insufficient Funds Fee is $36.00 per overdraft.
$36.00/per item
Overdraft Protection
This checking account has 3 options for Overdraft Protection.From a linked Savings Account:- Transfer fee of $12.00. 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 $12.00. 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 $12.00. The transfer fee is charged per transaction;- Funds are transferred to bring the account balance to $0.00.