Personal: Checking: Comparison Chart

Checking Account Options and Requirements (Table 1)
  Basic Checking Free Checking e-Checking Student Checking
Description The ideal budget account with no minimum balance requirements

Pay a modest per check fee and low monthly maintenance fee
An account with no fees when you maintain a monthly electronic deposit Designed to handle majority of transactions electronically. Checking account for high school and college students 16 and older.
Balance To Avoid Monthly Service Charge N/A N/A N/A N/A
Monthly Service Charge $1 monthly statement charge
.10 per item paid
.05 per item deposited
$5 unless you maintain monthly electronic direct deposit $1.00 per check if exceed, five checks per statement period N/A
Special Features By maintaining an average daily balance of $1,000 or more, your account will receive an earnings credit of $2 per $1,000 towards defraying the service charges Unlimited check writing Free online banking

Free electronic bill pay

No foreign ATM fees[4]

e-Statements required.
Debit Card

No foreign ATM fees[4]

Free first order of "1st" checks

One service charge refund

e-Statements
Minimum Opening Deposit $25 $25 $100 $25
Monthly Online Bill Pay Fee $6.95[3] $5.95 $0.00 $5.95[5]


Checking Account Options and Requirements (Table 2)
  Preferred Checking NOW Checking Advantage 55 Money-Market Checking
Description An account with no fees when you maintain a an average daily balance An account with no fees and interest paid when you maintain an average daily balance Checking account for customers age 55 and older Standard[1] or Tiered[2] money market account with limited check writing

Higher interest rates with higher balances
Balance To Avoid Monthly Service Charge $500 average daily balance $500 average daily balance N/A $2,500 average daily balance[1]

$10,000 average daily balance[2]
Monthly Service Charge $3 unless you maintain the average daily balance $3, plus .15 per item paid*

No interest paid
$7, unless you maintain direct deposit $3 per month[1]
$10 per month[2]
If average daily balance is not maintained
Special Features Ability to maintain average daily balance in your checking or linked savings account

Unlimited check writing
By maintaining an average daily balance, your account will receive a competitive rate of interest

Unlimited check writing
Membership card for "No Fee" or "Reduced Fee" bank products

Unlimited check writing
Market based interest rates

Six transfers per statement cycle, of which three may be checks

Unlimited withdrawls in person
Minimum Opening Deposit $100 $500 $100 $2,500[1]
$10,000[2]
Monthly Online Bill Pay Fee $5.95 $5.95 $5.95 $5.95[1]
  • 1. Standard Money Account
  • 2. Tiered Money Market Account
  • 3. Plus a $3.00 one time set-up charge.
  • 4. Other bank surcharges may apply.
  • 5. Must be 18 to enroll.
  • * Unless you maintain the average daily balance
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