RelationshipFirst
This account is best if you write few checks or have another relationship with us.
Account Benefits
- Personalized Checks - receive a first-issue starter pack of checks at no cost.
- Statement Options - choose from several available statement options including combined accounts.
- Interest on Checking - the interest rate scale is tiered based upon the balance in each account. See rate information.
Additional Privileges
- No annual fee on your Advantage ATM & Checkcard
- bankOn featuring no cost Internet Banking, Mobile Banking, First Messenger text and email alerts, and e-statements
- Free 24-HOUR Telephone Banking services
- Automatic transfers to savings or a consumer loan payment
- First Reserve overdraft line of credit is available upon credit approval
Rates
View our current rate information.
Compounding and Crediting
Interest will be compounded every month. Interest will be credited every month.
Minimum Balance Requirements
There are no minimum balance requirements to open this account. You must maintain a minimum balance of $1,000.00 in the account each day to obtain the disclosed annual percentage yield. A $10,000.00 loan* and/or deposit** relationship or having ten or fewer checks listed on your monthly statement is required each month to receive no charge for your RelationshipFirst Checking Account.
A service charge will be imposed every month according to your selected statement option (as described below) if the loan* and/or deposit** relationship is less than $10,000.00 and more than ten checks are listed on your monthly statement.
Check Safekeeping | $5.00 |
Imaged Statement | $10.00 |
Balance Computation Method
We use the daily balance method to calculate the interest on your account. This method applies a periodic rate to the principal in the account each day.
Accrual of Interest on Noncash Deposits
Interest begins to accrue no later than one business day after we receive credit for the deposit of noncash items (for example, checks).
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 |
Dormant Account Fee***** | $5.00 per month |
Returned Mail Fee | $5.00 per month |
Check Copy Fee | $2.00 per copy |
Wire Transfer Fee | $15.00 |
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.
**Checking and savings accounts are calculated on the previous month's average balance (positive and negative balances). Certificates of Deposit are calculated on the previous month's average ledger balance.
***This fee is charged when a checking or savings account is closed within 90 days of the account open date.
****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.
