Personal Banking » Checking Accounts

• Request a New Account

Are you looking for a FREE checking account? Are you looking for an account that pays a high interest rate? Do you like the convenience of e-Statements? Is electronic banking right for you? Ultimate e Checking is a versatile account that can meet almost anyone's needs.

Features

• No Monthly Service Charge
• No Minimum Balance Required
• Minimum Opening Deposit: $100
• Received e-Statements

Benefits

• High yield interest rate on balances up to $25,000¹
• Balances beyond the first $25,000 earn interest at regular interest checking rates
• FREE – first order of 60 BAC or ECC Bank checks

¹Requirements - To receive high yield interest these requirements must be met during each monthly statement cycle:

• Receive e-Statements
• 10 POS transactions posted; excluding ATM, Internet and telephone transactions
• 1 Direct Deposit.
• 1 Sign-on to Internet Banking
• 1 Online Bill Pay

If Transaction Requirements are Not Met

• Your account still does not have a monthly service charge
• You will not receive the high yield interest checking rate; you will earn interest at our regular interest checking rate

And, when you meet the requirements the next month, you will earn the high yield interest.

For information on interest calculations and payments or additional terms, please refer to account disclosures available from our Customer Service Representatives.

Read the FAQs for more information about Ultimate e Checking.

Select Checking

• Request a New Account

Ideal for customers who want unlimited check writing capabilities, or want an opportunity to waive monthly service charges.

• Minimum opening deposit: $100
• Monthly service charge is waived with e-Statements, or maintain a minimum balance of $1,000 or average daily balance of $2,000 or if 55 years or older, or have direct deposit or $3,500 balance in linked savings account³
• Monthly service charge of $9.50 will be assessed if waiver requirements are not met

Select Interest Checking

• Request a New Account

A great account for customers who want an interest bearing account, and want unlimited check writing capabilities.

• Minimum opening deposit: $100
• Monthly service charge is waived with e-Statements, or maintain a minimum balance of $1,500 or $10,000 balance in linked accounts⁴
• Monthly service charge of $11.00 will be assessed if waiver requirements not met

For information on interest calculations and payments or additional terms, please refer to account disclosures available from our Customer Service Representatives.

Additional Features on all Personal Checking Accounts

• FREE - Simply e Internet Banking
• FREE - Simply e Bill Pay
• Simply e Visa^® Check Card
• ATM access

Schedule of Fees (PDF) - a list of account related and other service fees.

³ Balance used will be current balance in linked savings account on the statement cycle date.

⁴ Maximum of two linked accounts which may be any combination of savings or money market; balances used will be current balances in linked accounts on the statement cycle date.

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