Our Personal Checking Account (also referred to as Share Draft Accounts) includes a ton of free services and extensive worldwide access. You can open a Personal Checking Account with a $100 first-time deposit. There are no monthly maintenance fees for full-time students (in Georgia), seniors (age 62 & over), anyone working within an accredited educational facility in Georgia at least 30 hrs/wk, or for accounts that maintain a $300 minimum balance all month.
Our DBA (Doing Business As) Checking Account functions in the same way but also adds a business name to your Personal Checking Account with no additional fees or restrictions; this allows you to print your business name on your checks and/or VISA© Debit Card and deposit items payable to your business. This is not related to a Business Checking Account, which can only be opened with a Federally-issued EIN or TIN; this account is opened under your name & SSN, with a business name tacked on as a DBA. Account features & fees are identical to Personal Checking Accounts.
Our Business Checking Account (also referred to as a Business Share Draft Accounts) includes a ton of services - and extensive worldwide access - completely free with a low minimum balance.
Personal Checking:
A monthly service fee of $7 applies to this account; however, we waive this fee entirely if one of the following requirements is met
There is a monthly fee of $3 for mailed statements; however, that fee is waived for all members who sign up for e-Statements through Virtual Branch. Simply log in to your account, click on the e-Statements link. Make sure any pop-up blockers you have installed are turned off. Once e-Statements is set up, all forthcoming monthly statements will be available there for up to 18 months. We recommend printing and/or saving them to a hard drive or secured online storage to avoid needing a statement older than 18 months and not having immediate (and free) access to it. We can always retrieve a statement copy for you for an additional fee.
Business Checking:
A monthly service fee of $25 applies to this account; however, we waive this fee entirely if your Business Checking Account never drops below $300 during the calendar month (reassessed monthly).
There is a monthly fee of $3 for mailed statements; however, that fee is waived for all members who sign up for e-Statements through Virtual Branch. Simply log in to your account, click the on the e-Statements link. Make sure any pop-up blockers you have installed are turned off. Once e-Statements is set up, all forthcoming monthly statements will be available there for up to 18 months. We recommend printing and/or saving them to a hard drive or secured online storage to avoid needing a statement older than 18 months and not having immediate (and free) access to it. We can always retrieve a statement copy for you for an additional fee.
These are the only two recurring fees for this account, and they can both be avoided as clearly explained above. For a complete list of all our fees, including those that may pertain to individual actions, services, or products related to checking accounts, click here.
