This is an ideal account for those just starting out, or who want a free checking account.

 There is no minimum deposit to open the account.  There are no monthly service charges. 
The statement cycle is cut off on the last day of each month, and checks will be truncated.  This account does not earn interest, but offers a variety of other features we provide like: Electronic Banking with HomeBanker, E-Statements, Free Bill-Payer, VISA Check Card, your first order of checks is free, and you have access to over 32,000 surcharge-free ATMs with the Allpoint Network.  Additional charges and fees that are not related to maintaining the account may apply.