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"Exceptional Checking" from Carolina First Bank
The Basics
A $50.00 deposit is required to open this account.
The monthly service fee of $25.00 is waived if you do one of the following:
- Keep a daily combined balance of $5,000 in checking, savings, and money market accounts
- Keep $25,000 in CDs
- Keep a combined outstanding balance in consumer loans of $25,000 or more.
- Keep a daily combined balance of $5,000 in checking, savings, and money market accounts
- Keep $25,000 in CDs
- Keep a combined outstanding balance in consumer loans of $25,000 or more.
The account earns 0.10% for balances over $0.00 and 0.20% at $10,000.
Debit Cards & Using ATMs
This account includes 'Relationship Reward' to put money back into your account based on your debit card usage at participating stores. There is no annual fee for this card.
If you maintain a combined minimum balance of $5,000, you will receive rebates of ATM fees at non-affiliated ATMs with the following limits:
- Up to $2.50 per transaction;
- Rebates for up to 2 transactions per month.
- Up to $2.50 per transaction;
- Rebates for up to 2 transactions per month.
Rebates are credited to your account at the end of the statement cycle.
Non-affiliated ATM Usage Fee
$0.00
There is a $2.00 fee each time you use a ATM in another country. In addition, there is a fee calculated as 3.00% of the total amount withdrawn.
Electronic & Telephone Banking
Online Banking
Free
This Email Alert feature enables you to receive:
- Warnings when your balance falls below a certain threshold;
- Reminders that bills are coming due for payment;
- Confirmation that bills have been paid;
- Confirmation that deposits cleared and transfers between your accounts were successful.
- Warnings when your balance falls below a certain threshold;
- Reminders that bills are coming due for payment;
- Confirmation that bills have been paid;
- Confirmation that deposits cleared and transfers between your accounts were successful.
You can download 90 days of transaction history in the following formats:
- Quicken 2007 and above;
- QuickBooks 2007 and above;
- MS Money for 2007 and above.
- Quicken 2007 and above;
- QuickBooks 2007 and above;
- MS Money for 2007 and above.
Online Billpay
Free
This institution supports:
- A downloadable mobile application to view account balances, view recent activity, transfer funds, pay bills;
- An iPhone application to view account balances, view recent activity, transfer funds, pay bills.
- A downloadable mobile application to view account balances, view recent activity, transfer funds, pay bills;
- An iPhone application to view account balances, view recent activity, transfer funds, pay bills.
Automated Phone Banking
Free
Checks & Statements
Unlimited Check Writing
Yes
Two free boxes of standard checks per year.
Monthly Paper Statements
Yes
Check Images with Statements
Included
Electronic Statements
Yes
Free check images available online. View check images for the prior 45 days in online banking or, if you're enrolled in eStatements, the prior 18 months with your eStatement.
Overdrawing the Account
The Insufficient Funds Fee is $34.00 for the first 2 overdrafts, $35.00 from 3 to 5 overdrafts and $36.00 for subsequent overdrafts.
This checking account has 3 options for Overdraft Protection.
From a linked Savings Account:
- No transfer fee.
- Funds are transferred to bring the account balance to $0.00.
- No transfer fee.
- Funds are transferred to bring the account balance to $0.00.
From a linked Alternate Checking Account:
- No transfer fee.
- Funds are transferred to bring the account balance to $0.00.
- No transfer fee.
- Funds are transferred to bring the account balance to $0.00.
From a linked Overdraft Line of Credit:
- No transfer fee.
- Annual fee of $27.00.
- Funds are transferred in $100 increments.
- No transfer fee.
- Annual fee of $27.00.
- Funds are transferred in $100 increments.
Savings and Money Market Accounts
'Personal Savings' requires $50.00 to open and $50.00 to earn interest.
Current APY Information:
- 0.20% at minimum balance to earn interest;
- 0.20% at minimum balance to avoid fees;
- 0.20% at $25,000.00
- 0.20% at minimum balance to earn interest;
- 0.20% at minimum balance to avoid fees;
- 0.20% at $25,000.00
The account has a monthly service fee of $4.00. This fee can be waived if you maintain a minimum balance of $200.00.
'Freedom Money Market' requires $1,000.00 to open and $0.00 to earn interest.
Current APY Information:
- 0.05% at minimum balance to earn interest;
- 0.05% at minimum balance to avoid fees;
- 0.20% at $25,000.00
- 0.05% at minimum balance to earn interest;
- 0.05% at minimum balance to avoid fees;
- 0.20% at $25,000.00
The account has a monthly service fee of $12.00. This fee can be waived if you maintain a minimum balance of $1,000.00.
'Regal Premier Money Market ' requires $1,000.00 to open and $0.00 to earn interest.
Current APY Information:
- 0.20% at minimum balance to earn interest;
- 0.35% at minimum balance to avoid fees;
- 0.75% at $25,000.00
- 0.20% at minimum balance to earn interest;
- 0.35% at minimum balance to avoid fees;
- 0.75% at $25,000.00
The account has a monthly service fee of $15.00. This fee can be waived if you maintain a minimum balance of $5,000.00.
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