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- Earn rewards of 2.52% APY* on balances up to $25,000 (.50% APY* on balances over $25,000) when requirements** are met. .05% APY* when qualifications are not met.
- ATM fees refunded up to $10 when requirements are met.
- ATM/Visa Check Card with access to over 50,000 surcharge-free ATMs.
- No minimum balance to maintain account.
- No monthly fees for normal use.
- First box of 50 checks free.
- Free Online Banking & Bill Payer.
- Overdraft Protection (with pre-approved line-of-credit)
Financial Institution Interest Checking Accounts Side-by-Side
| | ABCO FCU
Premiere Checking | Bank of America
Tiered Interest Checking | Wells Fargo
Complete Advantage Package | Credit Union of N.J. Interest Checking
| | Monthly Maintenance Fee
| $0 | $25, unless requirements are met | $25, unless requirements are met
| $10, unless requirements are met
| | Minimum to Open Account
| $0 | $0 | $200 | $200 | | Free Online Banking/Bill Pay
| Yes | Yes | Yes | Yes | | No. of Surcharge-Free ATMs accessible with ATM card
| Over
50,000
| Over
18,000
| Over
12,000
| Over
50,000 | | Non-Sufficient Funds Fee
| $29 | $35 | $35 | $28 | | Account Insured?
| Yes, up to $250,000 by NCUA, plus an additional $250,000 with ESI.
| Yes, up to $250,000 by FDIC.
| Yes, up to $250,000 by FDIC. | | Yes, up to $250,000 by NCUA, plus an additional $250,000 with ESI. | |
| APY* on $10,000
| 2.52% (when requirements are met**)
| .08% | .15% | .15% | |
Information current as of 04/01/2012 as disclosed on each listed financial institution's public website.
Learn how to open an account or call 1.800.225.1859 to upgrade your ABCO FCU Classic Checking to a Premiere Rewards Checking.
*APY =Annual Percentage Yield.
**Requirements:
- Agree to accept account statements electronically.
- Have at least 1 direct deposit or automatic payment post and clear during the monthly qualification cycle***.
- Have at least 10 debit card purchases post and clear monthly.
- Perform 1 financial transaction (transfer money from one account to another, pay a bill, or request a check withdrawal) in online banking or bill payer monthly.
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