Personal Checking

Freedom Freedom Plus Freedom Ultra Health Savings Accounts
Minimum Deposit to Open $50 $50 $50 $100
Monthly Service Charge $0 $8 $10 $3
How to Avoid Monthly Service Charge N/A Maintain $500 balance for monthly cycle Maintain $2,500 balance for monthly cycle Maintain $500 balance for monthly cycle
Earned Interest N/A Competitive rate for balances above $500 Tiered rates for balances above $2,500 Tiered based on average daily balance
“Overdraft Privilege” $300 limit $500 limit $700 limit N/A
Free ATM/Debit Card and SSB ATM Transactions Yes Yes Yes Yes
Free Internet, Mobile and Telephone Banking & Bill Pay Yes Yes Yes Yes
Mobile Capture Deposit N/A N/A N/A N/A
Free Money Orders & Cashier’s Checks No Yes Yes No
Check Writing Unlimited Unlimited – First box of “specialty” checks are free! Unlimited – “Specialty” checks are free! Unlimited
N/A 1st Year Free Yes N/A
Health Savings Accounts (HSA) Health Savings Accounts (HSA) Health Savings Accounts (HSA) Health Savings Accounts (HSA) Health Savings Accounts (HSA)
HSA’s were created by congress with passage of the Medicare Prescription Drug & Modernization Act of 2003 and allow for tax-deductible contributions. If withdrawals are used for qualified medical expenses, then distributions are tax-free. There are no limits on the total number of HSAs that may be established and participants need not be self-employed or employed by small employers to qualify.
ATM & DEBIT CARDS
Please note that all personal checking accounts are accessible via ATM/Debit card. To obtain additional information about ATM/Debit card access or to apply for an ATM/Debit card, please contact your local banking office. To report a lost or stolen ATM/Debit card 24/7, please call 1.800.472.3272 or contact your local banking office immediately, during regular banking hours.
FDIC Deposit Insurance Estimator
For the latest information on FDIC deposit insurance coverage or to estimate your current FDIC deposit insurance coverage, please visit the FDIC (Federal Deposit Insurance Corporation) website at: www.fdic.gov/edie For the latest information on FDIC deposit insurance coverage or to estimate your current FDIC deposit insurance coverage, please visit the FDIC (Federal Deposit Insurance Corporation) website at: www.fdic.gov/edie For the latest information on FDIC deposit insurance coverage or to estimate your current FDIC deposit insurance coverage, please visit the FDIC (Federal Deposit Insurance Corporation) website at: www.fdic.gov/edie For the latest information on FDIC deposit insurance coverage or to estimate your current FDIC deposit insurance coverage, please visit the FDIC (Federal Deposit Insurance Corporation) website at: www.fdic.gov/edie For the latest information on FDIC deposit insurance coverage or to estimate your current FDIC deposit insurance coverage, please visit the FDIC (Federal Deposit Insurance Corporation) website at: www.fdic.gov/edie