Personal Checking Accounts
| Best if you want |
A worry-free account with no monthly maintenance fees. 1 |
To avoid ATM surcharges, but still want a free checking account. |
To earn a higher rate of interest on your higher balances. |
| No minimum monthly balance requirements2 |
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| No monthly service fees |
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If you set up free direct deposit or if you're a full-time student. 3 |
If you maintain an average daily balance of $5,000. |
| Up to four surcharge refunds per month when you use another bank's ATM |
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| Free Visa Check Card |
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| Free Ameriana Online 24 with billpayonline | |
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| Free Mobile Banking App with Mobile Check Deposit4 |
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| Free online banking extras, such as FinanceWorks and free text and email account alerts |
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| Purchase Rewards, which allows Check Card customers to earn cash back for everyday debit card purchases | |
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Overdraft Protection5 |
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Free Ameriana Action Line |
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Free Online Statements and Combined Statements |
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| Free Direct Deposit and Unlimited Checkwriting |
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| Free and Easy Ameriana Switch Kit | |
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1Fees may apply for certain optional checking services. 2$50 minimum opening balance required for all personal checking accounts. 3Direct deposit or full-time student status is required to waive $10 monthly service fee. Limited to four domestic non-Ameriana ATM transaction fee waivers per month. Domestic non-Ameriana ATM transactions in excess of four per month are subject to normal ATM surcharges. 4Your mobile carrier's text messaging and data access charges may apply. Deposit(s) must be under $900 to be accepted. Deposits may not be available for immediate withdrawal. 5May be subject to credit approval.
