Personal Checking
Great for everyday checking
- Free Online Banking & Bill Pay
- Free first order of checks
- No monthly service fee with a minimum average daily balance of $100, otherwise $10
- Minimum opening deposit of $100
Personal Interest Checking
Earn interest on higher balances
- Free Online Banking & Bill Pay
- Free first order of checks
- No monthly service fee with a minimum average daily balance of $500, otherwise $15
- Earn tiered interest with minimum daily balance of $500
- Minimum opening deposit of $100
- See current rates
Senior Interest Checking
Additional benefits for those who are 55+
- Free Online Banking and Bill Pay
- Free first order of checks
- No monthly service fee
- Earn tiered interest with a minimum daily balance of $100
- Minimum opening deposit of $100
- See current rates
Optimum Checking
When the qualifications are met, the interest rate on your account and corresponding Annual Percentage Yield (APY) is described below:
Balance Tier Interest Rate Annual Percentage Yield (APY)
0 - $25,000.00 1.24% Rate, 1.25% APY
$25,000.01 and Above .30% Rate, 1.25% to .30% APY
When qualifications are not met:
All Balances: 0.10% Base rate 0.10% APY
*Annual Percentage Yield accurate as of September 11, 2012. Rates are subject to change without notice.
Optimum Rate Qualifications Each Cycle:
- Enroll and receive electronic statements
- Have at least one automatic payment or direct deposit post and clear per qualification cycle
- Have at least 10 debit card transactions with your Visa® Debit Card (not ATM) post and clear per qualification cycle
- Minimum to open account is $100
- No mimimum balance requirement thereafter
- Free On-line Banking
- Free Visa® Debit Card
- Free ATM access at Instant Cash® ATMs nationwide, including most Wells Fargo® branch ATMs (other than California)
- ATM Fee Refunds Nationwide when qualifications are met
- Fees may reduce earnings
- Qualifying transactions must post and clear the account during the monthly qualification cycle. (Transactions may take one or more business days from the transaction date to post to an account.)
- Intra-bank transfers do not count as qualifying ACH transactions.
- Available for Personal Accounts Only