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Personal Checking Accounts

Account Name Premier Banclub Free Spirit Gold Plus Personal MMA
Minimum to Open $1 $1 $1 $1000
ATM Charges The National ATMs are free, will refund foreign ATM fees if notified w/ in 60 days The National ATMs are free, $1 for others The National ATMs are free, $1 for others N/A
Monthly Service Charges

$9 monthly service charge

50+ = $5 monthly service
charge

None $3 a month if balance falls below $100 $10 per statement cycle if
balance falls below $1000 any day of cycle
Checking Supplies

Free member checks

$5 off other kinds

Must pay for checks No charge for special Gold Plus checks, or $5 off order on any other checks Must pay for checks
Over Draft
opt in/opt out

$500 after 30 days with no overdrafts.

Immediate if DD of $500+

$500 after 30 days with no overdrafts.

Immediate if DD of $500+

$500 after 30 days with no overdrafts.

Immediate if DD of $500+

N/A
Overdraft & Return Item Fee $18 per item $28 per item $18 per item $18 per item
Free Online Banking Yes Yes Yes Yes
Free Bill Pay Yes No Yes Yes
Free E-Statements Yes Yes Yes Yes
Free Mobile Banking Yes Yes Yes Yes
Wires Domestic and Foreign $7.50 (plus corr. fee on foreign) Domestic and Foreign $15 (plus corr. fee on foreign) Domestic and Foreign $7.50 (plus corr. fee on foreign) Domestic and Foreign $15 (plus corr. fee on foreign)
Cashier's Checks Free $5 Free $5
Money Orders Free $2 Free $2
Premier Benefits Overlay Free $5 per month $5 per month $5 per month
Inquiry and Transfer Fee Free

Telephone Inquiry $2

Telephone Transfer $3

Free Free
Interest Bearing No No Yes - with $500 balance Yes - with $1000 balance
Additional Benefits N/A N/A

Safe deposit box 1/2 off

N/A