| Account | Secure Checking | Secure Checking Plus | Senior Checking |
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Minimum Opening Balance
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$100.00
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$2,500.00
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$100.00
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Monthly Service Charge
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$7.00
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$10.00 (Waived with $2,500 minimum daily balance)
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$0.00
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Unlimited Check Writing
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Yes
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Yes
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Yes
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Interest Bearing
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No
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Yes
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No
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IDProtect® Identity Theft Protection Service 1
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Yes
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Yes
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Yes
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VISA Debit Card
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Yes
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Yes
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Yes
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Free Online Banking
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Yes
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Yes
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Yes
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Free Mobile Banking
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Yes
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Yes
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Yes
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Free Bill Pay
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Yes
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Yes
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Yes
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Images with Statement
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Yes
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Yes
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Yes
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Rewards
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Yes
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Yes
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No
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1 IDProtect service is a personal identity theft protection service available to account owner(s) and their family.
Family includes: Spouse, persons qualifying as domestic partner, & children under 25 years of age & parent(s) who are residents of the same household.
Some benefits require registration/activation.
**Non-banking benefits to Secure Checking and Secure Checking Plus are available to joint account holders (unless otherwise noted).
Non-banking benefits are not avialable to a "signer" or "beneficiary" of the account who is not an account owner, businesses and
their employees, clubs and/or churches and their members, schools and their employees/students.
Common Features
Limits and Fees: The following fees may be assessed against your account and the following transaction limitations, if any, apply to your account:
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ATM or Debit Card Replacement Fee
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$10.00
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Account Printout
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$1.00 per page
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Reprint Statements
- Check Copy fee of $1.00 per item will be applied for all check copies requested
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$3.00 per stmt
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Check Copies
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$1.00 per item
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Check Printing
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varies on style ordered
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Check Cashing (applies to non-customers)
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$5.00
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Tax Refund Check Cashing
- This fee applies to cashing tax refund checks. Refund Checks in excess of $4,000 must be deposited
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$4.00 per Hundred
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Dormant Account Fee
- Applies when demand deposit account balance is below $500.00 and the account has no activity for twelve (12) months; Time and Savings deposit accounts that have no activity for five (5) years.
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$2.00 per month
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General Research
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$25.00 per hour
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Garnishment Fee
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$50.00
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Bank Levy Fee
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$50.00
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Official Cashier Check-Customer
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$5.00
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Official Cashier Check-Non-Customer
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$10.00
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Stop Payments
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$20.00 per order
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Subpoenas/Summons
- A Copy Fee of $1.00 per page will apply to requested material
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$25.00 per hour
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Incoming Wire Fee
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$15.00
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Outgoing Wire Fee
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$15.00
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Overdraft Fee
- This fee applies to overdrafts created by check, in person withdrawal, or other electronic means that are paid when presented
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$35.00
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Returned Item Fee
- This fee applies to overdrafts created by check, in person withdrawal, or other electronic means that are unpaid when presented
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$35.00
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Deposited Checks (and other items) Returned Unpaid
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$20.00 per item
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Gift Cards
- Visa Gift Cards are offered in denominations from $10.00 to $1,000 per card. Cost is $5.00 per card regardless of amount.
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$5.00
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ATM Service Charge for Withdrawals
- (Foreign Terminals/Non-First Bank of Pike ATMs)
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$1.50
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With Secure Checking and Secure Checking Plus, you get all of these great benefits:
- IDProtect® - Identity Theft Protection Service
Rest easy knowing that you and your family1 are protected by our comprehensive IDProtect® service, which includes: credit file monitoring* and alerts of changes with Equifax, Experian, and TransUnion, ability to request a 3-in-1 credit report every 90 days or upon receipt of a credit alert*, up to $10,000 in identity fraud expense reimbursement2, and more. (*Some benefits require registration/activation.)
- Accidental Death & Dismemberment Insurance
Receive up to $10,000 24-hour Accidental Death & Dismemberment Insurance3. (Coverage divides equally on joint accounts and reduces by 50% at age 70.)
- Cellular Telephone Protection
Receive up to $300 of replacement or repair costs if your cell phone is stolen or damaged, in the U.S. and abroad.4
- Debit AdvantageTM - Buyer's Protection and Extended Warranty
Buyer's Protection covers items for ninety days from the date of purchase against accidental breakage, fire, loss, or theft.4
Extended Warranty extends the U.S. manufacturer's original written warranty up to one full year on most new retail purchases if the warranty is less than five years.4
- Travel & Entertainment Discount Membership
Money-saving discounts from thousands of local and national businesses. Members can redeem and print coupons online or access discounts on their Smartphone. Digital Access makes saving super easy and convenient, giving instant savings, anywhere, and anytime. (Registration and enrollment required.)
Enjoy savings on vision, prescriptions and dental services. (Registration and activation required.) This is NOT insurance.
For more information, please contact a Customer Service Representative at 770-884-5111 or you may also call the Benefits Service Center, at 1-866-210-0361, with questions directly related to any of the benefits and services, or for assistance with registration and activation.
1 IDProtect service is a personal identity theft protection service available to account owner(s) and their family. Family includes: Spouse, persons qualifying as domestic partner, & children under 25 years of age & parent(s) who are residents of the same household.
2Identity theft insurance underwritten by insurance company subsidiaries or affiliates of American International Group, Inc. The description herein is a summary and intended for informational purposes only and does not include all terms, conditions and exclusions of the policy described. Please refer to actual policy for terms, conditions, and exclusions of coverage. Coverage may not be available in all jurisdictions.
3Plateau Insurance Company of Crossville, TN will be our Accidental Death & Dismemberment Insurance underwriter. If you wish to name a beneficiary, please contact your Financial Institution to complete a beneficiary card. Otherwise, if there is no designated beneficiary on file, benefits will be paid according to the Master Policy. For questions regarding claims or your coverage, call 1-866-210-0361.
4The description herein is a summary and intended for informational purposes only and does not include all terms, conditions and exclusions of the policy described. Please refer to the Guide to Benefit for terms, conditions, and exclusions of coverage.
Benefits above are available to joint account holders (unless otherwise noted). Benefits are not available to a "signer" or "beneficiary" of the account who is not an account owner, businesses and their employees, clubs and/or churches and their members, schools and their employees/students.
Insurance Products are not insured by the FDIC or any Federal Government Agency; not a deposit of or guaranteed by the bank or any bank affiliate.
Secure Checking Rewards
- Receive a $3.00 Reward credit for 25 POS/PIN Debit Card swipes per statement cycle. (Transactions must be posted within statement cycle to count toward the Reward)
- Receive a $2.00 Reward for eStatement Delivery
- Receive a $2.00 Reward for Two (2) Direct Deposit or ACH Debits to your account each month (total of two (2), in any combination
Doing these three things each month can eliminate your Monthly Service Charge entirely!
Secure Checking Plus Rewards
- Earn Bonus Interest on balances up to $100,000 if you have 25 POS/PIN Debit Card swipes per statement cycle. (Transactions must post within the statement cycle to count toward the Reward)
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