CHECKING CHOICES THAT MEET YOUR NEEDS
If you write only a few checks and don´t want to maintain a minimum balance, Circle Checking is the account for you. One low monthly maintenance charge covers a combined total of 20 checks and ATM transactions per month.
Monument Checking is a practical account packed with popular features, including several ways to avoid paying a service charge. Just maintain a minimum balance in your checking account or in a combination of savings, CD and IRA accounts and pay no monthly charge.
You can write as many checks as you like and make unlimited electronic transactions. You will also enjoy the peace of mind that comes from having overdraft protection on your checking account (upon qualification). With your Monument Checking account you´ll receive your first order of checks free. You will also receive a Check Card and a Credit Card with no annual charge (upon qualification).
Our premium account, Capitol Checking, earns interest at money market rates to keep your funds working for you. It includes all the benefits of Monument Checking plus additional valuable features you´ll appreciate: a preferred interest rate on installment loans, 50% off your first year´s safe deposit box rental, standard traveler´s checks, official checks and money orders at no charge, and more. You can even open a Little Tycoon Savings account with an initial deposit of only $1.00.
Your Relationship Banker will be glad to help you choose the account that best meets your needs. We´ve also included a chart with more details so you can compare each account´s features.
|Benefits||Circle Checking||Monument Checking||Capitol Checking|
|NYCE® ATM Card||Included||Included||Included|
|Bank Use Fee||None||None||None|
|NYCE® Use Fee||$3.00 per transaction||None||None|
|Non-Bank Use Fee||$3.00 per transaction||$3.00 per transaction||None|
|Surcharge Refund||No||No||All NYCE® ATMs +|
|Overdraft Protection (upon qualification)||Optional ($10 access fee)||Optional ($10 access fee)||Included ($10 access fee)|
|Direct Deposit||No Charge||No Charge||No Charge|
|Other Benefits||Check card with no annual charge (upon qualification)||
|Balance to Waive Service Charge||Nonwaivable||Maintain a daily balance of $500.00 or average balance of $1,000.00 in checking.
An aggregate average balance of $2,500.00 in checking, savings or money market checking or savings account.
A balance of $5,000.00 in a National Bank of Indianapolis CD or IRA CD.
|Maintain a daily balance of $2,000.00 or average balance of $3,000.00 in checking.
An aggregate average balance of $5,000.00 in checking, savings or money market checking or savings account.
A balance of $10,000.00 in a National Bank of Indianapolis CD or IRA CD.
|Monthly Service Charge||$6.00||$10.00||$14.00|
|Checks and Electronic Transactions per Month*||20 debits||No Limit||No Limit|
|Charge per Item for Check or Electronic Transaction||$ .50 after first 20 debits.||$ .25 if minimum balance not maintained.||$0.00|
|Minimum Initial Deposit||$25.00||$25.00||$25.00|
|Bank by Phone||No Charge||No Charge||No Charge|
|Private PortraitSM Internet Banking||No Charge||No Charge||No Charge|
|Private PortraitSM Bill Payment||$4.95 per month plus $.40 each over 20 payments||$4.95 per month plus $.40 each over 20 payments||No Charge|
* Electronic transactions include telephone and internet transfers, ATM transactions, ACH debits, and debit card transactions.