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Personal Checking Comparison Chart

  Sweet Rewards Checking Sweet Tunes Checking Sweet Saver Checking Regular Checking Free Checking Senior Citizen Checking NOW Checking Health Savings Account
Opening Deposit $100 $50 $100 $100 $50 $100 $1200 $50
Minimum Daily Balance N/A N/A N/A See Below N/A N/A $1200 $2500
Monthly Fee N/A N/A N/A See Below N/A N/A See Below See Below
Fall Below Fee N/A N/A N/A See Below N/A N/A $6 $3
ATM/ Debit Use Fees <$4.99 Reimbursed  Max. Reimbursement $15/cycle Fees <$4.99 Reimbursed  Max. Reimbursement $15/cycle Fees <$4.99 Reimbursed  Max. Reimbursement $15/cycle Unlimited Unlimited Unlimited Unlimited Unlimited
Interest See Below See Rewards Below See Below No No No Yes Yes
Internet Bill Payment Free Free Free Free Free Free Free Free

 

Sweet Rewards Checking

Minimum to Open $100
Service Charge per Average Daily Balance

None

Fees/Transaction Limitations None
Earns Interest

3.00% APY* on balances up to $10,000
0.50% APY* on balances over $10,000
Must meet monthly qualifications: Have at least 15 debit card purchases post and settle; Receive E-mail Statements; Have at least 1 Direct Deposit or Direct Debit

Minimum Balance to earn Interest N/A
Special Features

To earn high interest rate and receive any ATM fee refunds, the following monthly qualifications must be met: Have at least 15 Debit Card purchases post and settle; Receive E-mail Statements; Have at least 1 Direct Deposit or Direct Debit. If qualifications are not met, no penalties and still earn .05% APY*.

* APY = Annual Percentage Yield. Reward rate and ATM fee refunds awarded on qualifying cycles only.
Annual Percentage Yield Accurate as of 6/8/15. (Rates updated within 7 days)
 

 

 

Sweet Tunes Checking

Minimum to Open $50
Service Charge per Average Daily Balance

None

Fees/Transaction Limitations None
Earns Rewards

$10 free iTunes downloads every month.
$20 free iTunes downloads at sign up.
Must meet monthly qualifications: Have at least 15 debit card purchases post and settle; Receive E-mail Statements. 

Minimum Balance to earn Interest N/A
Special Features

To earn free iTunes downloads and receive any ATM fee refunds, the following monthly qualifications must be met: Have at least 15 debit card purchases post and settle; Receive E-mail Statements. If qualifications are not met, no penalties and still have a free checking account.

 

 

 

Sweet Saver Checking

Minimum to Open $100
Service Charge per Average Daily Balance

None

Fees/Transaction Limitations None
Earns Interest

3.00% APY on balances up to $10,000
0.50% APY on balances over $10,000
Must meet monthly qualifications: Have at least 15 Debit Card purchases post and settle; Receive E-mail Statements; Have at least 1 Direct Deposit or Direct Debit

Minimum Balance to earn Interest N/A
Special Features

To earn high interest rate and receive any ATM fee refunds, the following monthly qualifications must be met: Have at least 15 Debit Card purchases post and settle; Receive E-mail Statements; Have at least 1 Direct Deposit or Direct Debit. If qualifications are not met, no penalties and still earn .05% APY*

 * APY = Annual Percentage Yield. Reward rate and ATM fee refunds awarded on qualifying cycles only.
Annual Percentage Yield Accurate as of 6/8/15.

 

 

Regular Checking

Minimum to Open $100
Service Charge per Average Daily Balance

$0
$3
$5    
$7

$700 & up
$400-$699.99
$200-$399.99
$0-$199.99

Fees/Transaction Limitations $.15 per debit item after 30
Earns Interest N/A
Minimum Balance to earn Interest N/A
Special Features ATM/Debit Card may be added to this account, free Online Banking and Bill Pay, monthly statement with images

 

 

Free Checking 

Minimum to Open $50
Service Charge per Average Daily Balance None
Fees/Transaction Limitations Unlimited free debits
No images
Earns Interest No
Minimum Balance to earn Interest N/A
Special Features Unlimited ATM/Debit transactions

 

 Senior Citizen Checking
(62 years of age and older)

Minimum to Open $100
Service Charge per Average Daily Balance None
Fees/Transaction Limitations Unlimited free debits
Earns Interest No
Minimum Balance to earn Interest N/A
Special Features Unlimited ATM/Debit transactions
 
 
 
 
 
 
 

 NOW Checking
(Individuals, Sole Proprietor, Non Profit, Trust/Estate (all heirs/beneficiaries are individuals), Government Entity, and Pension Funds, Escrow Accounts, and Security Deposits)

Minimum to Open $1,200
Service Charge per Average Daily Balance $0
$6
$1,200 and above
$1,199 and below
Fees/Transaction Limitations $.20 per debit item after 25
Earns Interest YES
Minimum Balance to earn Interest $1,200
Special Features A checking account that earns interest
ATM/Debit Card may be added to this account

 

 

 

 Health Savings Account

Minimum to Open $50.00
Service Charge

$3.00 fee will be imposed per cycle when the average daily balance falls below $2,500.00

Fees $25.00 one time set up fee
Earns Interest YES
Minimum Balance to earn Interest $50.00
Special Features Unlimited transactions, Free Online banking, Free Bill Pay, (2) Free Debit Cards, No Annual Fee

 

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