Checking Accounts
Regular Checking
- $100 minimum opening deposit.
- No minimum balance.
- A per check/debit fee of $.20 charged for each check drawn on the account. Customers age 62 and older free.
- Check images provided in monthly statement.
Minimum Balance
- $200 minimum to open account.
- $1.50 charged per statement cycle if the balance decreases below $200 during statement cycle. If the daily balance decreases below $200, during the statement cycle, a per check/debit charge of $.20 charged for each check drawn on the account.
- Check images provided in monthly statement.
"Free Checking"
- Truncation of checks (No Checks Returned). Images are available upon request. ($1 per item copy fee).
- $100 minimum to open account.
- No minimum balance required.
- First order of duplicate style blue safety paper checks free.
- Instant Cash Cards or Instant Cash and Check Cards (debit cards) available free. (May be probationary period.)
- Monthly statement.
"Free Checking" for Customers age 55+
- $100 minimum to open account.
- Account Features equal to "Free Checking," except, for the following:
- Free wallet style special safety paper checks.
- Check images provided in monthly statement.
Interest Bearing Checking
- $500 minimum to open an account.
- $10 fee charged if account balance decreases below $500.
- Interest calculated daily, paid monthly, and check images provided monthly.
- Interest rate and annual percentage yield may change weekly.
Business Checking
- $400 minimum to open account.
- $5 maintenance fee charged per statement cycle.
- If the daily balance decreases below $400 during the statement cycle, a per check/debit fee of $.20 charged for each check drawn on the account.
- Check images provided in monthly statement. (Checks available per a $5 monthly fee).
EZ Credit Reserve
- EZ Credit may curtail checking account overdrafts and fees.
- Overdraft protection via per-approved secured or unsecured line-of-credit.
- Complete an application and you may qualify for EZ Credit Reserve.
Member FDIC
Federal Documentation Requirements for Opening
A New Account Under The US Patriot Act, Sec 326
First National Bank
Chisholm/Cook