Compare Deposit Accounts

Personal Checking Accounts
	idLOCK PLUS	idLOCK STANDARD	idLOCK SENIOR*	idLOCK INTEREST	Basic Checking	Fresh Start Checking	Fresh Start Basic
	FEATURES	FEATURES	FEATURES	FEATURES	FEATURES	FEATURES	FEATURES
Minimum Balance to Open	$50	$50	$50	$50	$50	$50	$50
Monthly Fee	$7	$4	$4	$5	$0	$8.95	$8.95
Discount for monthly Direct Deposit	n/a	n/a	n/a	n/a	n/a	$2	$2
Minimum Balance to Avoid Fee	$25,000	n/a	n/a	$15,000	n/a	n/a	n/a
Unlimited Check Writing							n/a
Free Basic Checks / 50% Other		n/a		n/a	n/a	n/a	n/a
E-Statement
Paper Statement					$2	$2	$2
No Fee Cashier's Checks		n/a	n/a	n/a	n/a	n/a	n/a
Free Online Banking							limited1
Free Online Bill Pay							n/a
Free Mobile Banking							limited1
Free Text Message Banking**
Free Debit Card
Free Non-JVB ATM Transactions	4/month	n/a	n/a	n/a	n/a	n/a	n/a
Minimum Balance to Earn Interest	$25,000	n/a	n/a	$2,500	n/a	n/a	n/a
Interest Paid		n/a	n/a		n/a	n/a	n/a
Tiered Interest Paid	n/a	n/a	n/a		n/a	n/a	n/a
Free Standard PopMoneyTransfers					n/a	n/a	n/a
Free External Funds Transfer	2/month	n/a	n/a	n/a	n/a	n/a	n/a
Free Overdraft Transfers		n/a	n/a	n/a	n/a	n/a	n/a
Free Debit Card Replacement		n/a	n/a	n/a	n/a	n/a	n/a
	Disclosure	Disclosure	Disclosure	Disclosure	Disclosure	Disclosure	Disclosure

* Seniors age 55+  ** Your mobile carrier may charge a fee for text messages.  ¹See Fresh Start Banking Page for details.

Savings & Money Market Accounts
	Statement Savings Account	Kids Savings	Regular Money Market Deposit Account	Indexed Money Market Deposit Account	Holiday Club	Growth CD	Direct Deposit II	Health Savings Account
	FEATURES	FEATURES	FEATURES	FEATURES	FEATURES	FEATURES	FEATURES	FEATURES
Minimum Balance to Open	$100	$0.01	$1,000	$1,000	$0	$100	$0	$100
Monthly Fee	$5	$5*	$8	$12	n/a	n/a	n/a
Minimum Balance to Avoid Fee	$100	$100*	$1,000	$5,000	n/a	n/a	n/a
E-Statement
Paper Statement
Free Online Banking
Free Online Bill Pay
Free Mobile Banking
Free Text Message Banking**
Free Debit/ATM Card
Minimum Balance to Earn Interest	$0.01	$0.01	$1,000	$1,000	$0.01	$100	n/a	$0.01
Interest Paid
Tiered Interest Paid
	Disclosure	Disclosure	Disclosure	Disclosure	Disclosure	Disclosure	Disclosure	Disclosure

Non-Personal
	CHOICE♦  Business Checking	PREFERRED♦♦ Business Checking	PREMIER♦♦ Business Checking	EXECUTIVE Business Checking¤	Non-Personal Interest Checking	Non-Profit Organizations, Estates and Associations	Non-Personal Money Market Account	Non-Personal Indexed Money Market Account	Business Statement Savings	Public Funds Checking
	FEATURES	FEATURES	FEATURES	FEATURES	FEATURES	FEATURES	FEATURES	FEATURES	FEATURES	FEATURES
Minimum Balance to Open	$50	$200	$500	¤	$1,000	$50	$1,000	$1,000	$100	$50
Monthly Fee	$2	$7	$10	¤	$8	$0	$8	$12	$5	$0
Minimum Balance to Avoid Fee	n/a	$2500	$5000	¤	$1,000	$0	$1,000	$5,000	$100	$0
Number Items Free/statement cycle	50♦	200 ♦♦	400 ♦♦	¤	unlimited	unlimited	unlimited in-person/6 pre-authorized	unlimited in-person/6 pre-authorized	unlimited in-person/6 pre-authorized	unlimited
Unlimited Check Writing				¤
E-Statement				¤
Paper Statement	$2			¤
Online/ Mobile Banking				¤
Online Banking - ACH/Wires		$15/month*	$15/month*	¤	$15/month*	$15/month*	$15/month*	$15/month*	$15/month*	$15/month*
Online Bill Pay				¤
Mobile Deposit#		coming 2019	coming 2019	¤
Free Debit/ATM Card				¤
Minimum Balance to Earn Interest					$0.01		$0.01	$0.01	$0.01
Interest Paid
Tiered Interest Paid

*One monthly fee per business online account owner, not per deposit account.  ^#Mobile Deposit Limits:  $1500 per item; $3000 per day; $12,000 per rolling 30-day period  ^♦Free items per statement cycle includes checks cleared, all items deposited in-person/ATM/mobile, ACH, OTC Withdrawals  ^♦♦Free items per statement cycle includes checks cleared, checks deposited in-person or ATM, ACH, OTC Withdrawals.  ¤Executive checking is a customized program tailor-made for each specific business.  Please stop in and speak to any of our customer service representatives for details.