Compare Deposit Accounts

NOTE:  This table is wide and may require scrolling to the right to see all columns.  Please use the scroll bar at the bottom of each table to navigate.

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Personal Checking Accounts
	idLOCK PLUS	idLOCK STANDARD	Basic Checking	Fresh Start Checking	Fresh Start Basic
	FEATURES	FEATURES	FEATURES	FEATURES	FEATURES
Minimum Balance to Open	$50	$50	$50	$50	$50
Monthly Fee	$8	$6 (with a $1 senior* discount)	$0	$8.95	$8.95
Discount for monthly Direct Deposit	n/a	n/a	n/a	$2	$2
Minimum Balance to Avoid Fee	$20,000	n/a	n/a	n/a	n/a
Unlimited Check Writing					n/a
Free Basic Checks		(age 55+)	n/a	n/a	n/a
E-Statement
Paper Statement			$3	$3	$3
No Fee Cashier's Checks		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
Minimum Balance to Earn Interest	$25,000	n/a	n/a	n/a	n/a
Interest Paid		n/a	n/a	n/a	n/a
Tiered Interest Paid	n/a	n/a	n/a	n/a	n/a
Free External Funds Transfer		n/a	n/a	n/a	n/a
Free Overdraft Transfers		n/a	n/a	n/a	n/a
Free Debit Card Replacement
	Apply	Apply	Apply	Apply	Apply

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

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

 

*Monthly fee of $5 is waived for 12 months from the date of account opening.   

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

*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.