Value Package

To better manage your finances, consider getting more than just a checking account. Combining your entire banking relationship at Seaway is a cost-effective solution to all your personal financial needs. A Value Package includes:

  • A Primary Checking Account - Choose from 6 types
  • FREE Online Banking and Bill Pay - Click the link to sign up.
  • Overdraft Protection - A convenient way to cover shortfalls on your checking account. Click here to learn more.
  • A Savings Plan - Secure your future with a great rate when you open a CD or IRA account.
  • FREE Automatic Transfers - Saving money (or making loan payments) can be done automatically, at no charge. Simply tell us how much and how often, and we will set up fund transfers from your Seaway checking account to your designated account. Use it to grow your Savings, Christmas Club or Vacation Club accounts.
  • Loan Discounts - Everyone needs a loan at some point in their life. Whether you're looking for a car loan, student loan or business loan, we are here to help. Ask about our loan specials, including free pre-qualifications and pre-approvals for mortgages. Downpayment and closing cost assistance programs are available.

Free Direct Checking

... The best choice for people with Direct Deposit of payroll, social security, SSI or other pension or federal checks. $25 minimum opening balance

  • No minimum balance requirement
  • No monthly maintenance fee
  • No per check charge
  • FREE teller access
  • FREE e-Statements
  • FREE Seaway Bank and Trust Company ATM transactions
  • FREE Visa debit card
  • 24-hour account access with STARLine 1-800-461-5134

Regular Checking

. . . For those who want basic services and maintain regular balances

  • $25 minimum opening balance
  • Keep $1,000 minimum balance or $2,000 in your combined Regular Savings account to avoid a $15 monthly maintenance fee
  • Unlimited check writing
  • FREE teller access
  • FREE image statements
  • FREE Visa debit card
  • 24-hour telephone banking

Economy Checking

. . . Ideal for customers with low activity

  • $25 minimum opening balance
  • Pay $7 per month maintenance fee
  • First 10 checks are free; thereafter pay only $.40 per check
  • FREE teller access
  • FREE image statements
  • FREE Visa debit card
  • 24-hour telephone banking

Classic Club PLUS Checking

. . .For customers age 40 or older who want to receive valuable club discounts and benefits

  • $100 minimum opening balance
  • Interest compounded and credited monthly
  • Keep $100 minimum balance to earn interest
  • $6 per month club fee
  • Unlimited check writing
  • FREE wallet style checks
  • FREE travelers checks, cashier's checks and money orders
  • FREE teller access
  • FREE image statements
  • FREE Visa debit card
  • 24-hour telephone banking
  • Additional club benefits:
    • $10,000 accidental death insurance
    • $150,000 common carrier insurance
    • Savers Club Book discounts
    • Everyday Rebate Rewards (up to $40 per year)

Money Market

...Created for those who want to keep their high balances working for them

  • $500 minimum opening balance
  • Interest is paid monthly
  • $1,000 minimum balance is required to earn interest
  • Keep $1,000 minimum balance or pay $15
  • Maximum 6 withdrawals per statement cycle (3 by check only);
        excess item fee is $15 per item
  • FREE teller access
  • FREE image statements
  • FREE Visa debit card
  • 24-hour telephone banking

Visa Debit Card

A Visa debit card allows you to withdraw funds from your checking account without ever having to write out a check. You can purchase groceries, gas, or anything else where Visa is accepted.

Your Visa debit card also can be protected by "Verified by Visa" —a FREE service that allows you to add a password to your card as a protection when shopping online at participating stores. For complete information or to register your Visa debit card, go to

When completing an online purchase, once you submit your personal information, a "Verified by Visa" screen will appear. Simply enter your Verified by Visa password, click "submit," and a confirmation page will appear to complete your transaction.

Requirements to Open a Checking Account

Two forms of identification are required to open a deposit account:

One (1) must be a PRIMARY identification with PHOTO, such as:

  • Current driver's license
  • State ID card
  • U.S. Passport

and one (1) must be a SECONDARY identification, for example:

  • Social Security Card
  • Voter's Registration Card
  • Firearms Owner ID card
  • Utility Bill

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