Interest Checking
Here's a checking account that really goes the extra mile.
Earn interest on your balance without sacrificing flexibility with Interest Checking.
This account has everything you could possibly want. You'll have unlimited check writing, free Online Banking and other benefits while building your balance higher every month. It's a smart way to make the most of your money.
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- Summary
- Interest earning
- Tiered interest rates
- Unlimited check writing
- Free MasterMoney Debit Card
- Free Online Banking
- Free Bill Pay
- Free Direct Deposit
- Free statements with check images
- Free TeleBanc Phone Banking
- Automated teller access
- Electronic Funds Transfers
- $1,000 Oops!™ Overdraft Protection
- Monthly fee waived on balances $1,000 and over
- FDIC insurance
- $100 to open
- PremierProtect Identity Theft Protection available
- More Information
Rate Information: This account is an interest bearing account. The interest rate and annual percentage yield will depend upon the daily balance in the account as shown on the Money Rates sheet. The interest rate and annual percentage yield may change. At our discretion, we may change the interest rate on the account anytime. Interest begins to accrue no later than the business day we receive credit for the deposit of non-cash items (for example, checks). Interest will be compounded monthly and will be credited to the account monthly. If the account is closed before interest is credited, you will not receive the accrued interest.
Balance Information: We use the daily balance method to calculate the interest on the account. This method applies a daily periodic rate to the principal in the account each day.
- Oops!™ Overdraft Protection
We've all made a mistake or two, we're human. But if you make a mistake with your account, you'll be glad to know we've got your back with OOPS!™
OOPS!™ Overdraft Protection means you are covered should you overdraw your account, up to your assigned limit. It means we will consider payment of the overdraft, without obligation our part, rather than returning your check unpaid.
Summary:
- Avoid high returned check charges from merchants
- Avoid the embarrassment and inconvenience of denied purchases
- No need to apply
- No cost if not used
- Subject to credit approval
OOPS!™ protection is not available for the first 90 days from the date the account has been opened. There is an insufficient funds fee per item. An insufficient funds item may be created by checks, in-person withdrawals, ATM withdrawals, or other electronic means, as applied. Whether your overdrafts will be paid is discretionary and we reserve the right not to pay. In addition, we may refuse to pay an overdraft for you: if payment of the presented item(s) plus deduction of fees would exceed the assigned Oops!™ Protection limit; if we believe you are using your account improperly; if we are in the process of determining whether to close you account(s); or if your account is not in good standing. The amount of any overdraft created by our payment of items and/or our non-sufficient funds fees is due and payable on demand.
