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Personal Checking Brochure
ONLINE
CHECKING
The account of the future—and it’s available
today! Combine a Visa® Bonus Check Card with Bill Pay
and who needs checks? To ease the transition
to banking without paper, we’ll give you a supply
of old-fashioned paper checks too!
| Minimum Opening Deposit: |
$100 |
| Monthly Service Charge: |
$5 or waived with Direct Deposit or an average daily ledger balance of $500 |
| Interest: * |
Non-interest bearing checking account |
| Check Writing: |
Allows 2 checks paid per statement cycle; $1 per check in excess of 2 |
| Overdraft Protection: |
Available with Cash Reserve Line of Credit or eligible savings account |
| Other Benefits: |
- Free Online Banking and Telephone Banking access
- Free Bill Pay
- Visa® Bonus Check Card or Photo Visa® Bonus Check Card with rewards
- Deposit by wire, mail, or direct deposit (ACH)
- First order of checks free
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ECONOMY
CHECKING
If you have limited checking needs and you're looking
for a lower monthly service charge, Economy Checking
should fit your needs. No per-item charges for the first
ten check transactions.
| Minimum Opening Deposit: |
$100 |
| Monthly Service Charge: |
$7.50 regardless of account balance |
| Interest: * |
Non-interest bearing checking account |
| Check Writing: |
Allows 10 checks per statement cycle; $0.50 per check in excess of 10 |
| Overdraft Protection: |
Available with Cash Reserve Line of Credit or eligible savings account |
| Other Benefits: |
- Free Online Banking and Telephone Banking access
- Free Bill Pay
- Visa® Bonus Check Card or Photo Visa® Bonus Check Card with rewards
- Deposit by wire, mail, or direct deposit (ACH)
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PERSONAL
CHECKING
Our simple, easy-to-balance checking account fits the
needs of almost everyone.
| Minimum Opening Deposit: |
$100 |
| Monthly Service Charge: |
$10 or waived with an average daily ledger balance of $500 or combined average daily ledger balance in a checking and savings account of $1,000.00 |
| Interest: * |
Non-interest bearing checking account |
| Check Writing: |
Unlimited check writing |
| Overdraft Protection: |
Available with Cash Reserve Line of Credit or eligible savings account |
| Other Benefits: |
- Free Online Banking and Telephone Banking access
- Free Bill Pay
- Visa® Bonus Check Card or Photo Visa® Bonus Check Card with rewards
- Deposit by wire, mail, or direct deposit (ACH)
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INTEREST
CHECKING
Our exclusive checking plan offers you a bundle of valuable
services and extras, and lets you link balances in other
accounts to avoid service charges.
| Minimum Opening Deposit: |
$100 |
| Monthly Service Charge: |
$15 or waived with an average daily ledger balance of $2,500 or combined average daily ledger balance in checking and savings account of $3,000 |
| Interest: * |
Two tiers:
$0 - $24,999.99,
$25,000.00 and above |
| Check Writing: |
Unlimited check writing |
| Other Benefits: |
- Free Online Banking and Telephone Banking access
- Free Bill Pay
- Visa® Bonus Check Card or Photo Visa® Bonus Check Card with rewards
- Deposit by wire, mail, or direct deposit (ACH)
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50+
GOLD CHECKING
For those of you 50 years or better. Get valuable benefits
like free personalized checks, Visa® Bonus Check Card,
cashiers checks at a discounted fee, a personal size
safe deposit box at a discounted rate (availability
limited), free fax service, and more.
| Minimum Opening Deposit: |
$100 |
| Monthly Service Charge: |
$5 or waived with a minimum daily ledger balance of $100 |
| Interest: * |
Two tiers:
$0 - $24,999.99,
$25,000.00 and above |
| Check Writing: |
Unlimited check writing |
| Overdraft Protection: |
Available with Cash Reserve Line of Credit or eligible savings account |
| Other Benefits: |
- Free Online Banking and Telephone Banking access
- Free Bill Pay
- Visa® Bonus Check Card or Photo Visa® Bonus Check Card with rewards
- Deposit by wire, mail, or direct deposit (ACH)
- Two free boxes of Bank of Alameda checks per year
- Discounts on Cashier's Checks and Visa® Gift Cards
- Discounts on small Safe Deposit Boxes
- Direct Deposit of Social Security and Payroll checks
- Fax & Photocopy services
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BONUS CHECKING
Free online bill payment, ATM surcharge rebates,
and more!
| Minimum Opening Deposit: |
$100 |
| Monthly Service Charge: |
$25 or waived with an average daily ledger balance of $5,000 or combined average daily ledger balance in checking and savings or certificate of deposit account of $25,000 |
| Interest: * |
Two tiers:
$0 - $24,999.99,
$25,000.00 and above |
| Check Writing: |
Unlimited check writing |
| Overdraft Protection: |
Available with Cash Reserve Line of Credit or eligible savings account |
| Other Benefits: |
- Free Online Banking and Telephone Banking access
- Free Bill Pay
- Visa® Bonus Check Card or Photo Visa® Bonus Check Card with rewards
- Deposit by wire, mail, or direct deposit (ACH)
- Two free boxes of Bank of Alameda checks per year
- Discounts on Cashier's Checks and Visa® Gift Cards
- Discounts on small Safe Deposit Boxes
(availability limited)
- ATM Surcharge Rebates reimburse up to five ATM withdrawal fees per month
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* Variable rate may change daily and interest is compounded daily. Interest begins to accrue no later than the business day we receive credit for the deposit of non-cash items (for example, checks). Please contact us for current rates.
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