Personal Checking Accounts |
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Explore our menu of outstanding Personal Banking products. Whether you like an account with no balance requirements or an account where you can write unlimited checks, we will work with you to find the account that best suits you. All of our checking accounts come with Online Banking, Personal Bill Pay, and Visa® Bonus Check Card with UChoose Rewards. To get started, please visit us at one of our branch locations.
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Products Comparison
| Product1 | CHOICE Checking | PERSONAL Checking | 50+ Gold Checking | RELATIONSHIP Checking | PERSONAL Money Market |
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Description |
An environmentally friendly account with no balance requirements |
A popular account that includes unlimited check writing |
An account for individuals 50 years old or better |
An account that rewards you for banking with us |
An account with a higher interest rate and limited withdrawal capability |
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Service Charge Discounts |
$5 discount with eStatement2 and/or $5 discount with any one of the following:
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$5 discount with eStatement2 and/or $10 discount with any one of the following:
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$5 discount with any one of the following:
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$5 discount with eStatement2 and/or $25 discount with any one of the following:
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$5 discount for eStatement2 and/or $20 discount with an average ledger balance of $2,500 |
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Monthly Service Charge |
$10.00 |
$15.00 |
$5.00 |
$30.00 |
$25.00 |
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Interest Bearing |
No |
No |
Yes, Tiered Interest Rate5 |
Yes, Tiered Interest Rate5 |
Yes, Tiered Interest Rate5 |
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Check Writing |
Allows 2 checks per month, then $0.50 each6 |
Unlimited |
Unlimited |
Unlimited |
Limited7 |
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Optional Overdraft Protection8 |
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Online Banking |
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Bill Pay |
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Mobile Banking |
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Text and e-Mail Alerts9 |
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Visa® Bonus Check Card with UChoose® Rewards |
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No Bank of Alameda Fee at Non-Bank of Alameda ATMs |
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Choice of debit card design |
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2 Boxes of Bank of Alameda Checks per Year |
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2 Cashier's Checks or Visa® Gift Cards per Month |
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Discount on One Safe Deposit Box10 |
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ATM Surcharge Rebates11 |
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Disclaimers
1 Minimum opening deposit is $100. Owners and signers must be 18 years of age.
2 Online Banking is required to receive your monthly checking account statement electronically. To receive electronic delivery service, you must have a working connection to the Internet with e-mail capability and Adobe Reader® 5 or higher.
3 Student must be an account owner and present a valid student ID at the time of account opening. The Monthly Service Charge will be waived for 2 years. After 2 years the student waiver status can be extended by presenting a current student ID.
4 Accounts with combined balances must have the same ownership.
5 See current rate sheet for tiers and rates. Variable rate may change daily and interest is compounded daily. Interest begins to accrue no later than the business day we receive credit for the deposit of non-cash items (for example, checks).
6 Includes checks drafted by CheckFree® Bill Pay.
7 Regulation D limits certain types of transactions you can make out of your money market account to a maximum combined total of six (6) per monthly statement cycle. A service charge of $10 will apply for each transaction that exceeds the limit. Please refer to our Account Terms and Conditions for details.
8 Optional Overdraft Protection is provided by a linked account or Overdraft Line of Credit (subject to credit approval).
9 Bank of Alameda does not charge for alerts; however text message and data rates may apply.
10 Discount applies to one 2x5 safe deposit box. Subject to availability.
11 Surcharge rebates are limited to a maximum of 5 per month or $20.00.