Personal Banking
 

Personal Banking » Checking Accounts

Ultimate e Checking

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

Benefits

  • High yield interest rate on available balances up to and including $25,0001
  • Available balances beyond the first $25,000 earn interest at our Select Interest Checking rate
  • 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 which begins on the first business day of each month and ends on the last business day of each month:

  • 10 Point of Sale (POS) signature or PIN transactions using your debit card which post to your account during the monthly statement cycle. ATM, Internet and telephone transactions do NOT count toward POS transactions.


    Please note: POS transactions may take up to 3 business days to post to your account. We suggest that all transactions are completed 5 days prior to the end of the statement cycle to ensure that all transactions are posted to your account in the current month.

  • 1 Direct Deposit.
  • 1 Log-in to Personal Internet Banking to access your account using Username and Password (must enroll for access)
  • 1 Online Bill Payment using the bank’s bill payment service
  • e-Statements - Sign up and receive electronic account statements

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 Select Interest Checking rate
  • 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

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

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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