Checking Accounts › O'Bannon Banking Company

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	Regular Checking	Safeguard FREE Checking	Premiere Club	Now Account	Super Now Account
Quick Description	To fit your needs	FREE Checking	You must be at least 55 years of age	Interest Bearing	Interest Bearing
Open modal with more account details	DETAILS	DETAILS	DETAILS	DETAILS	DETAILS
Minimum Opening Balance	$50	$50	$50	$500	$1,000
Minimum Avg. Daily Balance	$300			$500	$1,000
Interest Bearing Account
Online Banking & Bill Pay
eStatements Available
Monthly Paper Statement	* $3/month		* $3/month	* $3/month	* $3/month
Debit Card Available
Service Charges	* $7/cycle if average daily balance falls below $300		*	* $7/cycle if average daily balance falls below $500	* $10/cycle if average daily balance falls below $1,000
Checks		1st order of starter checks FREE (postage not included)	FREE Basic Checks (postage not included)

Accounts are FDIC Insured. The standard insurance amount is $250,000 per depositor, per insured bank for each account ownership category. For questions about FDIC coverage limits and requirements, visit www.FDIC.gov/deposit/deposits, call toll free 1-877-ASK-FDIC, or ask a representative at the bank.

*Accounts opened after 3-1-2019 opting for paper statements will be charged a $3.00 fee for each statement cycle. Note: There is no fee for eStatements.

$7.00 Monthly Service Charge
(To avoid the service charge, maintain an average daily balance of $300.00 or more)
$50.00 Minimum Deposit to Open Account
FDIC Insured

This account also includes:

Free Online Banking
Free Bill Pay
Tel-Account 24 Telephone Banking
Unlimited Check Writing Privileges
Debit Card
Free ATM Transactions (applies only to “MoneyPass” locations)
eStatements*
Automatic Overdraft Privilege (if approved)

Checking Account Fees:

Check Printing Cost based on selection
Overdraft Fee(s) $28.00 per check or other item
Returned Item Fee $28.00 per returned check or other item
Stop Payment $25.00 per stop payment order
Checkbook Reconcilement $15.00 per hour (1 hour minimum charge)
Account Research $25.00 per hour (1/2 hour minimum charge)
ATM/POS Research $15.00 per hour
DDA Dormant Fee(s) $1.50 monthly on balances of $100.00 or less

* Accounts opened after 3-1-2019 opting for paper statements will be charged a $3.00 fee for each statement cycle. Note: There is no fee for eStatements.

$50.00 Minimum Deposit to Open Account
FDIC Insured

This account also includes:

Free “Starter” Order of Duplicate Checks (postage not included)
Free Debit Card
Free Online Banking
Free Bill Pay
Free Online Statements and Check Images
Free Tel-Account 24 Telephone Banking
Free Check Safekeeping
Free Incoming Wire Transfers
Free ATM Transactions (applies only to “MoneyPass” locations)
No Monthly Service Charge
$50.00 Minimum Deposit to Open Account
Unlimited Check Writing Privileges
Automatic Overdraft Privilege (if approved)
eStatements

Fees that may apply:

$50.00 Minimum Deposit to Open Account
FDIC Insured

This account also includes:

You must be at least 55 Years of Age
$50.00 Minimum Deposit to Open Account
Free Premiere Club Checks (postage not included)
Free Cashier’s Checks
Free Notary Service
Special Rates on one Safe Deposit Box
Free Photocopies (limits may apply)
Free ATM Transactions (applies only to “MoneyPass” locations)
Free Online Banking
Free Bill Pay
Tel-Account 24 Telephone Banking
Unlimited Check Writing Privileges
Debit Card
eStatements*
Automatic Overdraft Privilege (if approved)

Fees that may apply:

Overdraft Fee(s) $28.00 per check or other item
Returned Item Fee $28.00 per returned check or other item
Stop Payment $25.00 per stop payment order
Checkbook Reconcilement $15.00 per hour (1 hour minimum charge)
Account Research $25.00 per hour (1/2 hour minimum charge)
ATM/POS Research $15.00 per hour
DDA Dormant Fee(s) $1.50 monthly on balances of $100.00 or less

* Accounts opened after 3-1-2019 opting for paper statements will be charged a $3.00 fee for each statement cycle. Note: There is no fee for eStatements.

Earn 0.10% APY*
$7.00 Monthly Service Charge
(To avoid the service charge, maintain an average daily balance of $500.00 or more)
$500.00 Minimum Deposit to Open Account

This account also includes:

Fees that may apply:

* Accounts opened after 3-1-2019 opting for paper statements will be charged a $3.00 fee for each statement cycle. Note: There is no fee for eStatements.

*APY = Annual Percentage Yield
At our discretion we may change the interest rate on the account weekly.
No minimum balance required to obtain APY.
Fees could reduce earnings on account
The annual percentage yield is accurate as of 7-15-2020

Earn 0.15% APY*
$10.00 Monthly Service Charge
(To avoid the service charge, maintain an average daily balance of $1,000.00 or more)
$1,000.00 Minimum Deposit to Open Account

This account also includes:

FreeOnline Banking
Free Bill Pay
Tel-Account 24 Telephone Banking
Unlimited Check Writing Privileges
Debit Card
Free ATM Transactions (applies only to “MoneyPass” locations)
eStatements*
Automatic Overdraft Privilege (if approved)

Fees that may apply:

* Accounts opened after 3-1-2019 opting for paper statements will be charged a $3.00 fee for each statement cycle. Note: There is no fee for eStatements.