CHECKING
Bonus Checking . . . an account that pays interest* like a CD and refunds your ATM fees nationwide!+
With Bonus Checking, you can earn a premium interest rate of 6.00% APY*when you meet the following account conditions during each monthly statement cycle:
- Make at least 10 Institution for Savings Visa® Debit Card purchases from this account (transactions done at ATMs do not qualify)
- Have at least 1 direct deposit to your account
- Pay at least 3 bills monthly from this account using our Internet Bill Pay
- Receive your monthly account statement electronically
- Maintain a $500 minimum daily balance
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Other account benefits:
- No charge for basic checks
- No-fee Internet Banking
- No-fee Bill Pay
- No-fee Visa© Debit Card and Point of Sale transactions
- Surcharge-free withdrawals at SUM network ATMS (Other financial institutions may charge fee outside of SUM networks which will be rebated to you monthly if you meet the account requirements!)+
- 24-hour Automated Telephone Banking
- Overdraft Protection available (customer must apply for this product and meet bank's approval criteria.)
*6.00% Annual Percentage Yield (APY) paid on daily balances up to $50,000, and 0.25% APY paid on all amounts above $50,000 for each statement cycle that minimum requirements are met. Rates are accurate as of February 1, 2008. This is a variable rate account; the interest rate and APY may change at any time after account is opened. Minimum balance to open this account is $10. A $10 monthly service charge will be assessed if your daily minimum balance falls below $500. Available on personal accounts only. To earn the higher rate of interest, you must meet the following each statement cycle: 1) perform at least 10 Institution for Savings Visa® Debit Card purchases from this account (transactions done at ATMs do not qualify); 2) have at least 1 direct deposit to this account; 3) pay at least 3 bills monthly from this account using our Bill Pay; 4) agree to receive your monthly account statement electronically; and 5) maintain a $500 minimum daily balance. When these conditions are not met, a rate of 0.25% APY will apply and foreign ATM fees will not be refunded for that statement cycle. Fees may reduce earnings.
+ATM surcharge refunds apply to non-IFS ATM fees and other non-proprietary ATM surcharges for domestic banks only with a maximum refund amount of $20.00 per statement cycle.
No Fee Checking
Perfect for seniors, students . . . anyone. With this account, just about all that you pay for is your checks.
- No minimum balance required
- No Monthly Service Charge
- Write as many checks as you want at no charge!
Personal Checking
This is an interest bearing account with no limit on the number of checks you can write. The $5 monthly service charge is waived when you maintain a $500 minimum monthly balance or have direct deposit into your account.
With No Fee and Personal Checking accounts, you always get these benefits:
