Checking Account Comparison Chart
|Banking Items||Free Checking||Upfront Checking||Thrift Checking||Ultimate Checking||Banclub Checking||Checking w/Interest|
|Minimum Balance to Open Account||$100.00||$100.00||$100.00||$100.00||Age 55 or Older with $5,000+ in deposits at Palo Savings Bank||$100.00|
|Monthly Service Charge||None||$0.00 if you write less than 25 checks, $5.00* if more than 25 checks in a statement cycle||$6.00* each statement cycle||$7.00* each statement cycle for individuals, $8.00* for joint accounts, $4.00 age 55+||$7.00* each statement cycle if average daily balance falls below $1,000||$8.00* each statement cycle if average daily balance falls below $1,000|
|Per Item Fee||None||None||None||None||$0.25* for each debit** transaction. Fee will not apply if you maintain an average daily balance of $1,000 during monthly statement cycle||$0.25* for each debit** transaction. Fee will not apply if you maintain an average daily balance of $1,000 during monthly statement cycle|
|Debit Cards||No Annual Fee||No Annual Fee||No Annual Fee||No Annual Fee||No Annual Fee||No Annual Fee|
|ATM Withdrawals||Unlimited||4 free per statement cycle***||4 free per statement cycle***||4 free per statement cycle***||All free||4 free per statement cycle***|
|Mobile Banking App||Free||Free||Free||Free||Free||Free|
|Extra Benefits||The above fees will not apply to religious, charitable, or fraternal organizations, public bodies, fiduciaries, individuals age 62 or older, and minors under age 18||$3 off any check order||Free Ultimate wallet or duplicate style checks; $10,000 Accidental Death & Dismemberment insurance||Free personalized checks, free account reconciliation, free photocopies|
All accounts have free ShazamChek debit card transactions and free ATM deposits and ATM transfers.
Call bank for current rates on interest bearing accounts.
*Iowa state sales tax will be assessed to this fee
**In-person withdrawal, check paid, automatic transfer or payment out of this account
***After account exceeds four free, you will be charged $1.50* each per statement cycle.