Accounts

Personal Checking Account

April 26, 2018
Product Team
1,158 views

Comprehensive guide to personal checking accounts, including features, fees, and benefits of our banking services.

Personal Checking Account
Tags:
Checking Account
All accounts subject to approval. Restrictions and limitations apply.



Other miscellaneous fees apply. See Additional Banking Services & Fees for more information.



Online Bill Pay: Must enroll in Online Banking and activate Online Bill Pay. Certain restrictions and other limitations may apply.



Zelle: Enrollment in Zelle is required. Both parties need a U.S. bank account; only one needs an eligible bank account. Funds are typically made available in minutes when the recipientโ€™s email address or U.S. mobile number is already enrolled with Zelle. Select transactions could take up to 3 business days. Limitations may apply. Message and data rates may apply.



Zelle and the Zelle related marks are wholly owned by Early Warning Services, LLC and are used herein under license.



Overdraft Assist: We won't charge an Insufficient Funds Fee if you're overdrawn by $50 or less at the end of the business day OR if you're overdrawn by more than $50 and you bring your account balance to overdrawn by $50 or less at the end of the next business day. Overdraft Assist does not require enrollment and comes with eligible checking accounts.



We will decline or return transactions when you do not have enough money in your account to cover the charge. However, you could still end up with a negative balance if, for example, a transaction is approved for one amount, but then the actual charge is more than what you have in your account. Even if you have a negative balance, we will not charge you an overdraft fee.



Fees from the ATM owner/network still apply. A Foreign Exchange Rate Adjustment Fee may apply for ATM withdrawals in a currency other than U.S. dollars.



Account must be linked to the checking account for No Monthly Service Fee.



When ordered through the bank. Fees may apply for certain other supplies and expedited shipping options.



Checking Text Message Program: Message and data rates may apply. For Help call 1-800-GCTCB. Reply STOP to no longer receive text messages until you provide your consent again. Mobile carriers not liable for delayed or undelivered messages.



Products and services described as well as associated fees, charges, interest rates and balance requirements may differ among different geographic locations. Not all products and services are offered at all locations.



Bank, N.A. Member FDIC. Equal Opportunity Lender.

All accounts subject to approval. Restrictions and limitations apply.

Other miscellaneous fees apply. See Additional Banking Services & Fees for more information.

Online Bill Pay: Must enroll in Online Banking and activate Online Bill Pay. Certain restrictions and other limitations may apply.

Zelle: Enrollment in Zelle is required. Both parties need a U.S. bank account; only one needs an eligible bank account. Funds are typically made available in minutes when the recipientโ€™s email address or U.S. mobile number is already enrolled with Zelle. Select transactions could take up to 3 business days. Limitations may apply. Message and data rates may apply.

Zelle and the Zelle related marks are wholly owned by Early Warning Services, LLC and are used herein under license.

Overdraft Assist: We won't charge an Insufficient Funds Fee if you're overdrawn by $50 or less at the end of the business day OR if you're overdrawn by more than $50 and you bring your account balance to overdrawn by $50 or less at the end of the next business day. Overdraft Assist does not require enrollment and comes with eligible checking accounts.

We will decline or return transactions when you do not have enough money in your account to cover the charge. However, you could still end up with a negative balance if, for example, a transaction is approved for one amount, but then the actual charge is more than what you have in your account. Even if you have a negative balance, we will not charge you an overdraft fee.

Fees from the ATM owner/network still apply. A Foreign Exchange Rate Adjustment Fee may apply for ATM withdrawals in a currency other than U.S. dollars.

Account must be linked to the checking account for No Monthly Service Fee.

When ordered through the bank. Fees may apply for certain other supplies and expedited shipping options.

Checking Text Message Program: Message and data rates may apply. For Help call 1-800-GCTCB. Reply STOP to no longer receive text messages until you provide your consent again. Mobile carriers not liable for delayed or undelivered messages.

Products and services described as well as associated fees, charges, interest rates and balance requirements may differ among different geographic locations. Not all products and services are offered at all locations.

Bank, N.A. Member FDIC. Equal Opportunity Lender.

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