Checking

Non-Interest Bearing Checking

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Free Direct
Checking
Student
Checking
Regular
Checking
Economy
Checking
Benefits The best choice for customers with Direct Deposit of payroll, social security, SSI or other pension or federal checks. An ideal account for high school and college students.
If the account holder is younger than 18 years, an adult 18 years or older is required to be a joint owner on the account.
For those who want basic services and maintain regular balances. For customers with low activity.
Minimum to Open $25 $25 $25 $25
Visa Debit Card Yes Yes Yes Yes
Free Checks 20 20 No No
Balance Requirement None None $1,000
to avoid the
monthly fee
None
Monthly Fee None None.
At account opening, your student status will be validated. After the first four years, this account will convert to an Economy Checking account, and a monthly fee will apply.
$15 
(only charged if the balance in the account falls below $1,000)
$7
The first 10 debit transactions (i.e., checks paid, withdrawals, automatic transfers or payments out of this account) are free. Thereafter, the excess fee is $0.40 per debit transaction during a statement cycle.
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Interest-Bearing Checking

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Classic
Club
Classic Club
Plus
Personal
Money
Market
Platinum
Money
Market
Benefits For customers who want to receive club discounts and benefits. For customers who want to receive club discounts and benefits. Created for those who want to keep their high balances working for them. Get premium rates on tiered balances.
Minimum to Open $300 $100 $1,000 $25,000
Visa Debit Card Yes Yes No No
Free Checks First order of standard checks Up to 2 boxes annually No No
Balance Requirement
(to avoid a monthly fee)
$300 balance required to avoid a monthly fee. $100 balance required to earn interest. Not applicable.
$100 balance required to earn interest.
$1,000 balance required to avoid a monthly fee. $1,000 balance required to earn interest. $25,000 balance required to avoid a monthly fee. Interest rate reverts to a Personal Money Market rate if the balance falls below $25,000.
Monthly Fee $10 monthly fee if the balance drops below $300 $6 $15 monthly fee
if the balance drops below $1,000. Money Market accounts allow a maximum of 6 debits (withdrawal, check paid, automatic transfer or payment out of this account) per statement cycle. The excess item fee is $15 per item.
$15 monthly fee if balance drops below $25,000.
Money Market accounts allow a maximum of 6 debits (withdrawal, check paid, automatic transfer or payment out of this account) per statement cycle. The excess item fee is $15 per item.
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For complete CONSUMER account disclosures CLICK HERE