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Checking Account
Information
NOW Checking
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An interest bearing account with the flexibility of a checking account.
Tiered interest rate structure allows you to earn a higher interest rate based on your balance.
Tiers are as follows:
| $500 |
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$2,499 |
| $2,500 |
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$24,999 |
| $25,000 |
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$99,999 |
| $100,000 |
& |
Above |
- Minimum opening deposit - $500.00
- Minimum daily balance of $500.00 in the account each day to earn interest and obtain the annual percentage yield.
- Your interest rate and annual percentage yield may change. At our discretion, we may change the interest rate for your account at any time.
- We use the daily balance method to calculate the interest on your account. This method applies a
daily periodic rate to the
collected principal in the account each day.
- Interest for your account will be compounded monthly and distributed monthly.
- Balances falling below $500.00 will be charged $10.00 maintenance fee per statement cycle.
- Check imaging - no charge.
Cancelled checks returned in statement - $2.00
- 10 checks/drafts may be written per month with no service charge. As of the 11th check/draft, a charge of $0.15 will be assessed per check/draft.
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Debit Card/ATM card available
(Click
here for ATM Card Charges).
- Unlimited
card usage is available at the ATM machines located at all A.J. Smith
Federal Savings Bank locations.
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Click here for General Checking Charges
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Internet Checking Accounts
A non-interest bearing checking account offers
flexibility for any budget..
- Minimum opening balance - $20.00.
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Minimum daily balance requirement per statement cycle -
$0.00.
- Online check viewing - no charge.
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No per check charge.
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Account may be linked to a companion account in case of an overdraft.
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Debit Card/ATM card available
(Click
here for ATM Card Charges).
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Unlimited
card usage is available at the ATM machines located at all A.J. Smith
Federal Savings Bank locations.
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Click here for General Checking Charges
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Gold Club Checking
A qualifying* account full of value and special features for our valued
senior customers.
- No monthly maintenance fees
- No per check charge
- No charge for check printing (Safety Paper and Gold
Club styles only)
- Account earns interest on balances maintained above
$500
- Additional special features and benefits.
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Debit Card/ATM card available
(Click
here for ATM Card Charges).
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Unlimited
card usage is available at the ATM machines located at all A.J. Smith
Federal Savings Bank locations.
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Click here for General Checking Charges
Click here for more
information.
*Minimum savings or CD balance
required
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Free Checking Accounts
A non-interest bearing checking account offers
flexibility for any budget..
- Minimum opening balance - $20.00.
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Minimu daily balance requirement per statement cycle -
$0.00.
- Check imaging - no charge.
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No per check charge.
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Account may be linked to a companion account in case of an overdraft.
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Debit Card/ATM card available.
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Debit Card/ATM card available
(Click
here for ATM Card Charges).
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Unlimited
card usage is available at the ATM machines located at all A.J. Smith
Federal Savings Bank locations.
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Click here for General Checking Charges
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Business Checking
Click here for more information regarding Business Checking.
Money Market
Earn investment rate interest with the flexibility of check writing privileges
- Minimum balance required - $2,500.00
- Tiered interest rate structure allows you to earn a higher interest rate based on your balance.
Tiers are as follows:
| $0 |
- |
$2,499.99 |
| $2,500 |
- |
$24,999.99 |
| $25,000 |
- |
$99,999.99 |
| $100,000 |
- |
$1,999,999.99 |
- Your interest rate and annual percentage yield may change. At our discretion, we may change the
interest rate for your account at any time.
- We use the daily balance method to calculate the interest on your account. This method applies a
daily periodic rate to the collected principal in the account each day.
- Interest for your account will be compounded monthly and distributed monthly.
- Balances falling below $2,500.00 will be charged $10.00 maintenance fee per statement cycle.
- You may make six (6) transfers from your account, but only three may be payments by check or draft
to third parties. Any additional withdrawals, with the exception of in-house withdrawals, will
be assessed $5.00 per withdrawal for excessive MMDA activity. There is no limit to the number
of in-house withdrawals you may make at either of our locations.
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Click here for General Checking Charges
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Avoid paying overdraft charges!
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Save yourself embarrassment and expense of returned checks.
All you need to protect yourself is to have a companion account at A.J. Smith.
Funds, when you need them, are transferred to your checking account for a low
$10.00 fee. Transfers from savings are limited to 6 per month.
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STAR®
ATM Card
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Star®
ATM Cards allow you to have access to your cash 24 hours a day, 7 days a week.
Use your card to make deposits, withdrawals, transfers,
A.J. Smith Federal Savings Bank loan payments (at A.J. Smith ATMs) and point of
sale (POS) purchases, where available. Unlimited card usage is available at the
ATM machines located at all A.J. Smith Federal Savings Bank locations.
Additional fees apply at other ATM machines.
The
following fees apply to all transactions made at non-proprietary ATM's:
$1.50 -
Deposits
$1.00 -
Withdrawals
$1.50 -
Cirrus Withdrawals
$ .50 -
Balance inquiring and balance transfers
For additional
rules and regulations, see the Debit Master ATM Card agreement/disclosure.
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General
Checking Charges
The following charges apply to all checking
products:
- Non Sufficient Funds (NSF) - $25.00 per overdraft
created by each returned check/draft, in-person withdrawal, ATM withdrawal, or
other electronic means.
- Stop payment order - $25.00 per check/draft
- Certified check - $10.00 per check
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Negative Balance Fee - $2.00 per Day
- Check printing (fee depends on style of check ordered)
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