Free Checking
This account is best if you are looking for a basic checking account with no monthly fees.
Account Benefits
- No annual fee on your Advantage ATM & Checkcard
- bankOnline featuring Online Banking, Mobile Banking, eAlerts (text and email alerts), and eStatements
- Free 24-HOUR Telephone Banking services
- Automatic transfers to savings or a consumer loan payment
- First Reserve overdraft line of credit available if qualifications are met
Rate Information
This account does not earn interest.
Minimum Balance Requirements
You must deposit $100.00 to open this account.
Fees
The following fees may be assessed against your account:
Deposit Account Early Closing Fee* | $20.00 per account |
NSF Return Fee | $30.00 per item |
NSF Return Fee Per Day Maximum | $150.00 |
NSF Paid Fee** | $30.00 per item |
NSF Paid Fee Per Day Maximum | $150.00 |
Overdraft charge (recurring)** | $30.00 each seven consecutive days |
Stop Pay Fee | $30.00 per request |
Returned Item Fee | $3.00 per item |
Re-deposit of Returned Item Fee | $1.00 per item |
Dormant Account Fee*** | $5.00 per month |
Returned Mail Fee | $5.00 per month |
Check Copy Fee | $3.00 per copy |
Deposited Item Copy Fee | $3.00 per copy |
Wire Transfer Fee | $20.00 |
International Wire Transfer Fee | $50.00 |
Collection Fee | $20.00 per item |
Canadian Check Processing Fee | $10.00 per check + exchange fee |
Cost for check printing varies depending on the style of checks ordered.
**This fee applies to overdrafts created by check, in person withdrawal, ATM withdrawal, or other electronic means.
***This fee is charged when a checking or savings account has no activity for a period of 27 months and is considered to be in dormant status.
NOTE: We may report other information about your account to consumer reporting agencies. Late payments, missed payments, or other defaults on your account may be reflected in your consumer report.
