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The Basics
A $50 deposit is required to open this account.
The Monthly Service Fee of $6.00 can be waived by:
- Having Direct Deposits of at least $100 total;
- Scheduling a monthly automatic transfer from this account to an investment account with U.S. Bancorp;
- Scheduling an automatic monthly payment to a personal loan, line of credit, or credit card.
- Having Direct Deposits of at least $100 total;
- Scheduling a monthly automatic transfer from this account to an investment account with U.S. Bancorp;
- Scheduling an automatic monthly payment to a personal loan, line of credit, or credit card.
This account must be combined with a Five Star Money Market Savings account or a US Bank issued credit card.
Debit Cards & Using ATMs
This account includes many various Rewards Programs. With this account you earn an extra 25% rewards bonus on signature purchases for the rewards program you choose.
There is a $2.00 fee each time you use a non-affiliated ATM after 2 uses per month.
There is a $2.00 fee each time you use a ATM in another country after 2 uses per month. There is an additional international withdrawal fee of 3% the amount of the withdrawn.
Electronic & Telephone Banking
Online Banking
Free
This Email Alert feature enables you to receive:
- Warnings when your balance falls below a certain threshold;
- Notice of deposits or withdrawals over a certain threshold;
- The bad news that your account balance is below $0.
- Warnings when your balance falls below a certain threshold;
- Notice of deposits or withdrawals over a certain threshold;
- The bad news that your account balance is below $0.
You can download 90 days of transaction history in the following formats:
- Quicken 2007 and above;
- MS Money for 2007 and above;
- Microsoft Excel.
- Quicken 2007 and above;
- MS Money for 2007 and above;
- Microsoft Excel.
Online Billpay
Free
This institution supports:
- A mobile-browser website to view account balances, view recent activity, transfer funds, locate ATMs;
- A downloadable mobile application to view account balances, view recent activity, transfer funds.
- A mobile-browser website to view account balances, view recent activity, transfer funds, locate ATMs;
- A downloadable mobile application to view account balances, view recent activity, transfer funds.
Automated Phone Banking
Free
You can access your transaction history directly through Quicken and MS Money.
Checks & Statements
Unlimited Check Writing
Yes
Free or Discounted Checks
No
Monthly Paper Statements
Yes
There is a $3.00 monthly fee to receive images of canceled checks with monthly statements.
Electronic Statements
Yes
Images of canceled checks can be viewed online for 90 months.
Overdrawing the Account
One per year.
No fee on your first overdraft each year. $19 for second overdraft $35 for 3rd-5th overdraft, and $37.50 for every overdraft after that in a 12 month period. Charge applies PER ITEM.
This checking account has 3 options for Overdraft Protection.
From a linked Savings Account or Alternate Checking Account:
- Transfer fee of $5.00. The transfer fee is charged for each transaction.
- Funds are transferred in fixed increments of $200.00.
- Transfer fee of $5.00. The transfer fee is charged for each transaction.
- Funds are transferred in fixed increments of $200.00.
From a linked Overdraft Line of Credit:
- Transfer fee of $2.00. The transfer fee is charged for each transaction.
- Funds are transferred in fixed increments of $200.00.
- Transfer fee of $2.00. The transfer fee is charged for each transaction.
- Funds are transferred in fixed increments of $200.00.
Savings and Money Market Accounts
'Standard Savings' requires $25.00 to open and $0.00 to earn interest.
Current APY Information:
- 0.10 % at minimum balance to earn interest;
- 0.10 % at minimum balance to avoid fees;
- 0.10% at $25,000.00
- 0.10 % at minimum balance to earn interest;
- 0.10 % at minimum balance to avoid fees;
- 0.10% 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 $300.00;
- Maintain a average balance of $1,000.00.
- Maintain a minimum balance of $300.00;
- Maintain a average balance of $1,000.00.
'Money Market' requires $100.00 to open and $0.00 to earn interest.
Current APY Information:
- 0.05% at minimum balance to earn interest;
- 0.15% at minimum balance to avoid fees;
- 0.25% at $25,000.00
- 0.05% at minimum balance to earn interest;
- 0.15% at minimum balance to avoid fees;
- 0.25% at $25,000.00
The account has a monthly service fee of $10.00. This fee can be waived if you:
- Maintain a minimum balance of $1,000.00;
- Maintain a average balance of $2,500.00.
- Maintain a minimum balance of $1,000.00;
- Maintain a average balance of $2,500.00.
We suggest you also consider:
From Redwood Credit Union's website: "Redwood Credit Union (RCU) is a full service financial institution, assisting consumers and small business owners with achieving their financial goals and dreams since 1950." Redwood Credit Union has 15 locations, offering checking, savings and investment, loan, and insurance services to its community.
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How We Get Our Information
We conduct our own research for the largest US banks and we audit the information provided by community banks and credit unions.
Our branch location database is sourced from the FDIC and is updated with information provided by banks and credit unions.
We make best efforts to maintain accurate data, but we suggest you verify this information prior to opening an account.
All deposit accounts in FindABetterBank are insured by the FDIC or NCUA.
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