Personal Checking Accounts
Checking accounts have long been considered the barometer for
one's spending patterns. And since everyone's patterns
are not the same, we offer several convenient checking account
options. One is bound to make perfect sense for your
banking needs.
- Free Checking: The simple, no-fee, worry-free checking account!
- 50+ Checking: A great checking account package of benefits designed for those 50 and better!
- Interest Checking: The more you have in your account, the more interest you earn!
- Direct Deposit Checking: Free checking plus interest with direct deposit!
- Premium Investment Account: For those who keep a higher balance and want a higher interest rate!!
All accounts feature free online access and
easy-to-balance statements.
Free Checking
- Minimum Balance: None / $100 to open
- Monthly Service Fee: None
- Interest: None
Additional Benefits
- ATM/Debit card with no annual fee upon approval.
- Unlimited check-writing.
- Free 24-hour online banking.
- Free 24-hour telephone banking.
- *Bounce Protection (available after 90 days if account remains in good standing).
- Free access to BEO ATM machines and MoneyPass ATM's. ($1 charge for use at foreign ATM in addition to applicable surcharge at ATM location.)
- Free image safekeeping.
- Free unlimited electronic debits.
- Free Notary.
- If your account balance is less than $25 for 90 consecutive days, your account will be changed to a Basic Checking Account.
50+ Checking
- Minimum Balance: None / $100 to open
- Monthly Service Fee: None
- Interest: None
Additional Benefits
- ATM/Debit card with no annual fee upon approval.
- Unlimited check-writing.
- Free 24-hour online banking.
- Free 24-hour telephone banking.
- Free Bill Pay with monthly use. (If no activity, $5.50/mo.)
- * Bounce Protection (available after 90 days if account remains in good standing).
- Free access to BEO ATM machines and MoneyPass ATM's. ($1 charge for use at foreign ATM in addition to applicable surcharge at ATM location.)
- Safe deposit box at half price with automatic rental payments.
- Free stock checks.
- Free check images returned with statement.
- Free single signature traveler's checks, cashier's checks, and personal money orders.
- Free unlimited electronic debits.
- Free Notary.
Interest Checking
- Minimum Balance: $1,000 daily / $100 to open
- Monthly Service Fee: $10 if balance drops below $1,000
-
Interest: Paid
on all balances
Additional Benefits
- ATM/Debit card with no annual fee upon approval.
- Unlimited check-writing.
- Free 24-hour online banking.
- Free 24-hour telephone banking.
- Free Bill Pay with monthly use. (If no activity, $5.50/mo.)
- * Bounce Protection (available after 90 days if account remains in good standing).
- Free access to BEO ATM machines and MoneyPass ATM's. ($1 charge for use at foreign ATM in addition to applicable surcharge at ATM location.)
- Safe deposit box at half price with automatic rental payments.
- Free stock checks.
- Free check images returned with statements.
- Free unlimited electronic debits.
- Free Notary.
Direct Deposit
- Minimum Balance: None / $100 to open
- Monthly Service Fee: None
-
Interest: Paid
on all balances
Additional Benefits
- ATM/Debit card with no annual fee upon approval.
- Unlimited check-writing.
- Free 24-hour online banking.
- Free 24-hour telephone banking.
- Free Bill Pay with monthly use. (If no activity, $5.50/mo.)
- * Bounce Protection (available after 90 days if account remains in good standing)
- Free access to BEO ATM machines and MoneyPass ATM's. ($1 charge for use at foreign ATM in addition to applicable surcharge at ATM location.)
- Safe deposit box at half price with automatic rental payments.
- Free stock checks.
- Free single signature traveler's checks, cashier's checks, and personal money orders.
- Free check images returned with statements.
- Free Direct Deposit.
- Free unlimited electronic debits.
- Free Notary.
- If your direct deposit is cancelled or terminated, your account will be changed to an Interest Checking Account.
Premium Investment
- Minimum Balance: $25,000 Average Collected Balance / $25,000 to open
- Monthly Service Fee: $25 if Average Collected Balance drops below $25,000
-
Interest: Paid
on all balances
Additional Benefits
- Unlimited check-writing.
- Free 24-hour online banking.
- Free 24-hour telephone banking.
- Safe deposit box at half price with automatic rental payments.
- Free MMA stock checks.
- Free check images returned with statements.
- Free single signature traveler's checks, cashier's checks, and personal money orders.
- Free unlimited electronic debits.
- Free Notary.
* Charges may be incurred: Bounce NSF Charges-paid: $25.00/item, $125 maximum/day; NSF Charges-paid: $25/item, $125 maximum/day; NSF Charges-returned: $25/item, $125 maximum/day. These charges may be imposed for covering overdrafts created by check, in-person withdrawals, ATM withdrawals, or other electronic means. You must cover your overdraft immediately, but no later than 30 days. Whether your overdrafts will be paid is discretionary and we reserve the right not to pay. For example, we typically do not pay overdrafts if your account is not in good standing, or you are not making regular deposits, or you have too many overdrafts.
