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PINNACLE
CHECKING (NOW) |
CHARTER
CHECKING (NOW) |
CHOICE
CHECKING |
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| EARNS INTEREST |
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| MINIMUM TO OPEN ACCOUNT |
$25,000 |
$500 |
$750 |
| HOW TO AVOID MONTHLY FEE |
Monthly service charge waived if on the statement service charge calculation date the average daily balance* of the account is $25,000 or more OR the cumulative balance in all savings accounts is $50,000 or more OR the cumulative balance of all loans outstanding is $50,000 or more |
Monthly service charge waived if on the statement service charge calculation date the average daily balance* of the account is $1,750 or more OR the cumulative balance of all savings account is $10,000 or more OR the cumulative balance of all loans outstanding is $25,000 or more |
Monthly service charge waived when the average daily balance* of the account is $750 or more OR with recurring direct deposit of full amount of payroll, pension, social security or other similar benefit. Service charge is imposed during any statement cycle in which no direct deposit is credited OR the average daily balance of the account is less than $750 |
MONTHLY SERVICE CHARGE IF NOT ELIGIBLE FOR WAIVER
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$20.00 per statement cycle |
$10.00 per statement cycle |
$10.00 per statement cycle
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PAPER STATEMENT FEE
(APPLIES ONLY TO CHOICE CHECKING) |
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$1.00 per
statement cycle
Monthly paper statement charge waived if average daily balance* is $750 or more during the statement cycle. Paper Statement fees apply to a statement cycle. The paper statement fee will be posted to the account in the next or following statement.
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NO PER CHECK FEE
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| DISCOUNT ON CHECK ORDERS FOR LIFE OF THE ACCOUNT1 |
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| UNLIMITED CHECK WRITING |
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| CHECK IMAGING |
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| ELIGIBLE FOR E-STATEMENT |
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| FREE ATM TRANSACTIONS AT FAIRFIELD COUNTY BANK ATMS |
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| VISA®
CHECK CARD |
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| ATM SURCHARGE REFUNDS2 |
ALL |
8 PER STATEMENT CYCLE |
NONE |
| SPEND OR PURCHASE LIMIT ON VISA CHECK CARD WITH AVAILABLE FUNDS |
$10,000 |
$5,000 |
$2,000 |
| REAL TIME VISA CHECK CARD MONITORING SERVICE FOR SUSPICIOUS OR FRAUDULENT ACTIVITY |
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| FREE BILL PAY |
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| FREE TELEPHONE BANKING |
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| 1/4% BONUS INTEREST RATE ON CDS |
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| 1/4% INTEREST RATE DISCOUNT ON CONSUMER LOANS, PERSONAL AND EQUITY |
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| FEE FREE DOMESTIC WIRE TRANSFERS |
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* The average daily balance is calculated by adding the funds on deposit in the account each day of the statement or monthly cycle and dividing that figure by the number of days in the statement cycle.
