Share Draft (Checking) Accounts
| Product Title | Free Checking | Rewards Checking | Bright Horizons Checking |
Fresh Start Checking |
Prime Checking |
| Age Requirement | None | None | *Age 16-25 | None |
55& over |
| Market | Middle Market | Low/Mid Market | Youth Market | Low/Mid Market |
Middle Market |
| Features | |||||
| Must open a share account | Yes | Yes | Yes | Yes | Yes |
| Minimum to Open | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 |
| Minimum Balance Requirement | $0.00 | $0.00 | $0.00 | $0.00 | $1,000 (ACB**) to earn interest |
| Unlimited check Writing | Yes | Yes | Yes | Yes | Yes |
| Free Debit Card | Yes | Yes | Yes | No – ATM Card only | Yes |
| ATM Fees** | No | No | No | No | No |
| POS Transaction Fees | No | No | No | No | No |
| Free Home Banking/DANA | Yes | Yes | Yes | Yes | Yes |
| Free Bill Pay | Yes | Yes | Yes | Yes | Yes |
| Free Direct Deposit | Yes | Yes | Yes | Yes | Yes |
| Overdraft Protection from Savings |
Yes – $5.00 fee |
Yes – $5.00 fee |
Yes – $5.00 fee |
Yes – $5.00 fee |
Yes – $5.00 fee |
| Free E-Statements | Yes | Yes | Yes | Yes | Yes |
| Charge for Check Printing | Yes | Yes | Yes | Yes | Custom – 2 Free Boxes Annually |
| Debit Card Rewards | No | Yes | No | No | No |
| Interest | No | No | No | No | Yes, if ACB is $1,000 |
| Monthly Service Charge | No | $3.00 | No | $9.95 | No |
* Age requirement used for marketing tool, no change in share type once they reach 25
** Eliminate charge after 4 free make them all free. Other Financial Institutions may charge a fee for use of their machine
*** Average Collected Balance