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
5¢ per item deposited,
excluding ACH
debits and credits
$5 unless you maintain monthly electronic direct deposit $1.00 per check if you exceed five checks per statement period N/A
Special Features Your account will receive an earnings credit to defray the monthly service charges4 Unlimited check writing Free online banking

Free electronic bill pay

No foreign ATM fees3

eStatements required
Debit Card

No foreign ATM fees3

First order of specialty blue checks

One service charge refund
Minimum Opening Deposit $25 $25 $100 $25
Monthly Online Bill Pay Fee $6.953 $5.95 $0.00 $0.005


Checking Account Options and Requirements (Table 2)
  Preferred Checking NOW Checking Money Market Checking
Description An account with no fees when you maintain an average daily balance. An account with no fees and interest paid when you maintain an average daily balance.4 Standard or Tiered money market account with limited check writing.

Higher interest rate with higher balances.4
Balance To Avoid Monthly Service Charge $500 average daily balance $500 average daily balance $2,500 average daily balance1

$10,000 average daily balance2
Monthly Service Charge $3 unless you maintain the average daily balance $3, plus 15¢ per item paid, excluding ACH debits*

No interest paid*
$3 per month1*
$10 per month2*
No interest paid*
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 interest4

Unlimited check writing
Market based interest rates4

Six transfers per statement cycle

Unlimited withdrawls in person, by mail, messenger or ATM
Minimum Opening Deposit $100 $500 $2,5001
$10,0002
Monthly Online Bill Pay Fee $5.95 $5.95 $5.951
  • 1. Standard money market account
  • 2. Tiered Money Market Account
  • 3. Other bank surcharges may apply
  • 4. For current rate information, call us at (518)370-7200 or visit the interest rate page
  • 5. Must be 18 to enroll.
  • * Unless you maintain the average daily balance
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