Long Island Checking Account Notes

- Astoria Federal S & L Assn

  • Easy Checking Account: $5 additional fee for image checks
  • Express Checking Account: $5 additional fee for image checks
  • Gold Checking Account: Minimum age requirement is 50.

- Bank of America

  • Advantage Account: NSF Fee (for bounced checks): 1st day: $25.00 each item, 2nd + day during the current month and preceding 12 months: $35.00 each item.
  • My Access Account: Monthly service fee of $5.95 is $0 with direct deposit or qualifying online bill payment. For a limited time only - no fee if opened online. NSF Fee: 1st day: $25.00 each item, 2nd + day during the current month and preceding 12 months: $35.00 each item.
  • Regular Account: If minimum balance is not maintained, the monthly service fee is $10 for account holders using Direct Deposit or $12 without direct deposit. NSF Fee: 1st day: $25.00 each item, 2nd + day during the current month and preceding 12 months: $35.00 each item.
  • Campus Edge Account: No Monthly fee for 5 yrs while a student. NSF Fee: 1st day: $25.00 each item, 2nd + day during the current month and preceding 12 months: $35.00 each item.
  • Preferred Account: The monthly service fee is $16 for account holders using Direct Deposit or $18 without direct depositNSF Fee: 1st day: $25.00 each item, 2nd + day during the current month and preceding 12 months: $35.00 each item.

- CitiBank

  • EZ Checking Account: Monthly Service Fee waived with direct deposit. Without direct deposit the Monthly Service Fee is $7.50 plus $1 per check if more than 10 checks are processed.
  • Citibank Account: Monthly Service Fee waived with direct deposit. Without direct deposit the Monthly Service Fee is $12.00 plus $.50 per check.
  • Everything Counts Account: If $10,000 minimum balance is not maintained, the Monthly Service Fee is $25 plus $0.50 per check processed.
  • Citigold Account: Interest rate earned is tiered based upon the account balance. Minimum Balance may be met with a home mortgage of at least $250,000.
  • Citibank Access Account: Monthly Service Fee waived with direct deposit. This account does not include check writing privileges.
  • Basic Checking Account: If the minimum $1,500 balance is not maintained or direct deposit is not used, the Monthly Service Fee includes up to 8 debit charges and 8 checks. If there are more than 9 debit charges, the Monthly Service Fee is$9.50 with an additional fee of $0.50 per check.

- HSBC Bank USA NA

  • Student Account: Designed for Students
  • Premier Checking Account: Account qualifies for Premier MMA Account which pays interest based on balance.

- JP Morgan Chase Bank

  • Premier Checking Account: Extra $2 fee for returning checks. NSF Fee: 1st occurrence = $25; occurrences 2 - 4 = $32; 5 or more occurrences = $35.
  • Better Banking Account: Need $2,500 balance to start earn interest. No fee for money orders, trav checks, etc. NSF Fee: 1st occurrence = $25; occurrences 2 - 4 = $32; 5 or more occurrences = $35.
  • Chase Checking Account: Monthly service fee waived with Direct Deposit. NSF Fee: 1st occurrence = $25; occurrences 2 - 4 = $32; 5 or more occurrences = $35.
  • Basic Checking Account: NSF Fee: 1st occurrence = $25; occurrences 2 - 4 = $32; 5 or more occurrences = $35.
  • Premier Platinum Account: Minimum Balance can be in Checking and Investment accounts only. NSF Fee: 1st occurrence = $25; occurrences 2 - 4 = $32; 5 or more occurrences = $35.
  • College Checking Account: Monthly Service Fee and Online Bill Payment Fee waived for 5 years if parent has qualifying Chase Account; otherwise, fee applies regardless of balance kept. NSF Fee: 1st occurrence = $25; occurrences 2 - 4 = $32; 5 or more occurrences = $35.

- PNC Bank

  • Performance Checking Account: Tier based interest is earned with a Minimum Balance of $2,000.
  • Performance Select Account: Tier based interest is earned with a Minimum Balance of $2,000. 9 free checking accounts are given - all nine account balances can be added together to meet the $15,000 requirement for avoiding fees.

- Wachovia Bank

  • Crown Banking Account: Minimum Balance requirement can be met by maintaining $5,000 in Checking and Savings accounts or a balance of $4,000 with Direct Deposit or a balance of $10,000 that includes your checking and savings accounts plus outstanding loans.
  • Crown Select Banking Account: Minimum Balance requirement can be met by maintaining $10,000 in Checking and Savings accounts or a balance of $20,000 that includes your checking and savings accounts plus Certificates of Deposit and outstanding loans.
  • Crown Classsic Banking Account: Minimum Balance requirement can be met by maintaining $1,000 in Checking and Money Market accounts or loans. Must be over 50.

- Washington Mutual Bank

  • Free Checking Account: One free overdraft fee per year.
  • Platinum Checking Account: Minimum Balance includes Certificates of Deposit & loans.