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Personal Checking
| Personal Checking Accounts | Freedom CheckingⓇ Account | Lifestyle Account | Personal NOW Account | Southern Club Account | Opportunity Card | Classic Gold Account (50 years and older) |
|---|---|---|---|---|---|---|
| Minimum Deposit | $100 | $100 | $100 | $100 | $0 | $100 |
| Service Charges Per Statement Cycle | $2.95 (waived with eStatements) |
$7 for balances below $500 (waived with eStatements) |
$8 for balances below $600 |
$10-$12 | $5 monthly fee ($7 monthly with paper statements) | No |
| Check Images in Statement | No | Yes | Yes | Yes | No | Yes |
| Interest | No | No | Yes | Yes for balances $600 and above |
No | Yes for balances $1,000 and above |
| Free Checks | No | No | No | Yes (2 boxes) | No checks for this account. | Yes (2 boxes) |
| Free Safe Deposit Box | No | No | No | Yes (where available) | No | No |
| Insurance Benefits | No | No | No | Yes | No | No |
| Free ATM Fees | No | Yes (Limits Apply) | No | Yes (Limits Apply) | Yes (Limits Apply) | No |
| Comments | The benefits of a checking account without overdraft or NSF fees. | |||||
| Bill Pay | No | Yes (with direct deposit) |
No | Yes | Yes | No |
Personal Savings
| Personal Savings Accounts | Regular Savings | School Savings | Season's Savings | Money Market Account |
|---|---|---|---|---|
| Minimum Deposit | $50 | $50 | $10 | $1,000 |
| Free Withdrawals Per Statement Cycle | 6 $3/withdrawal thereafter |
6 $3/withdrawal thereafter |
1/quarter $5/withdrawal thereafter |
6 $5/withdrawal thereafter |
| Service Charges Per Statement Cycle | $5 for balances below $50 | None | None | $10 for balances below $1,000 |
| Interest | Yes | Yes | Yes | Yes - Tiered |
| Comments | $2.95 statement fee waived with e-statements |