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Personal Checking Accounts
When opening an account, there are many things to consider, from interest rates to minimum balances. With that in mind, we created the chart below to help explain our checking account choices to you. If, after reading the following information, you would like to open an account, please visit our application page or one of our branch offices. Also, be certain to check our Special Offers page, where you may find another type of account to better suit your needs.
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Hope Money Market |
Hope NOW |
Hope Value |
Free For Life |
| Minimum Balance to Open Account? |
$1,000 |
$1,000 |
- |
- |
| Minimum Balance to Keep in Account? |
$1,000 |
$1,000 |
$500 |
- |
| Monthly Fee For Not Maintaining Minimum Balance? |
$15.00 |
$10.00 |
$7.00 |
- |
| Annual Percentage Yield for Maintaining Minimum Balance?* |
.25% |
.24% |
- |
- |
| APY with Balance Over $10,000?* |
.50% |
.36% |
- |
- |
| Monthly Service Charge? |
- |
- |
- |
- |
| Check Writing Capability? |
Limited to three checks per month |
Unlimited |
Unlimited |
Unlimited |
| ATM Withdrawals? |
Unlimited |
Unlimited |
Unlimited |
Unlimited |
| Monthly Fee to Return Checks with Statement? (Optional) |
$5.00 |
$5.00 |
$5.00 |
Not Available |
| Other Fees? |
$15.00, If account closed within 30 days |
$15.00, If account closed within 30 days |
$15.00, If account closed within 30 days |
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*The rate on your account may change at any time, including after account opening. APY is current as of 12/14/2007. Fees may reduce earnings on the above mentioned accounts.
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