| |
Regular Checking |
Direct Checking |
Interest Checking |
Senior Elite Checking |
Senior Elite Checking Plus |
Money Market Account |
Student Checking |
A good choice if you:
|
Want unlimited check writing capability and you intend to keep a moderate account balance at all times. |
Prefer an account with no minimum balance, unlimited check writing and plenty of free stuff. |
Want an account that pays competitive interest on your balance. |
Are 50 years or older and want an account with no minimum balance and unlimited check writing. |
Are 50 years or older, carry a moderate balance in your checking account, and want an interest bearing checking account. |
Carry a significant balance but write just a few checks per month. |
Are a student who doesn't want to worry about keeping a minimum balance—and who wants ATM access and unlimited check writing. |
Minimum to Open |
$300 |
$100 |
$900 |
$100 |
$900 |
$1,000 |
$100 |
Minimum Balance |
$300 minimum balance or $500 average daily collected balance or $5 service charge |
None |
$900 minimum balance or $1,500 average daily collected balance. |
None |
$900 minimum balance or $1,500 average daily collected balance |
$1,000 minimum balance |
No minimum balance |
Monthly Service Charge |
$5 service charge if minimum balance guidelines are not maintained |
No service charge with payroll direct deposit or automatic mortgage payment. Without one of these, the account converts to the Regular Checking and is subject to the applicable fees and charges. |
$7.00 service charge if minimum balance is not met |
None |
$7.00 if minimum balance requirements are not met.
|
$7.50 if minimum balance requirements are not met. Withdrawals in excess of the six per month allowed are subject to a fee of $2 each. |
None if under 24 years old |
Checks/Withdrawals per Month |
Unlimited |
Unlimited |
Unlimited |
Unlimited |
Unlimited |
6 withdrawals monthly; Transfers to another account or to third parties by preauthorized, automatic, or telephone transfers are limited to six per month. |
Unlimited |
Earns Interest |
NO |
NO |
Interest compounds monthly |
NO |
Interest compounds monthly |
Interest compounds monthly |
NO |
First Check Order |
FREE (Wallet Checks)
|
FREE (Wallet Checks) |
FREE (Wallet Checks) |
FREE Senior Elite wallet checks or $3.00 discount on any other style |
FREE Senior Elite wallet checks or $3.00 discount on any other style |
FREE wallet money market checks |
FREE wallet checks |
ATM Card/VISA Check Card |
FREE*
(subject to credit approval) |
FREE*
(Subject to credit approval or other terms) |
FREE*
(Subject to credit approval or other terms) |
FREE*
(Subject to credit approval or other terms) |
FREE*
(Subject to credit approval or other terms) |
N/A |
FREE*
(Subject to credit approval or other terms) |
Online Banking/Bill Pay/Tele-Bank |
FREE
|
FREE |
FREE |
FREE |
FREE |
N/A |
FREE |
Overdraft Protection |
AVAILABLE*
(subject to credit approval) |
AVAILABLE*
(Subject to credit approval or other terms) |
AVAILABLE*
(Subject to credit approval or other terms) |
AVAILABLE*
(Subject to credit approval or other terms) |
AVAILABLE*
(Subject to credit approval or other terms) |
N/A |
N/A |
Extras |
N/A |
N/A |
25% discount on safe deposit box |
25% discount on safe deposit box
Free travelers checks
Free money orders
|
25% discount on safe deposit box
Free travelers checks
Free money orders
|
N/A |
N/A |
The fine print |
Your cancelled checks will not be returned in your monthly statement. If you choose to have your cancelled checks returned with your statement, an additional flat fee of $1.50 per month will be charged. |
Your cancelled checks will not be returned in your monthly statement. If you choose to have your cancelled checks returned with your statement, an additional flat fee of $1.50 per month will be charged. |
Your cancelled checks will not be returned in your monthly statement. If you choose to have your cancelled checks returned with your statement, an additional flat fee of $1.50 per month will be charged. |
N/A |
N/A |
N/A |
Your cancelled checks will not be returned in your monthly statement. If you choose to have your cancelled checks returned with your statement, an additional flat fee of $1.50 per month will be charged. |
