Bank of 1889
Fiserv Solutions, Inc.
FREE In Google Play
Bank of 1889
Fiserv Solutions, Inc.
FREE In Google Play
FDIC Insured - Backed by the full faith and credit of the U.S. Government.
Checking Accounts
At Bank of 1889, we have a checking account to serve your needs. By offering a variety of accounts with many different options and benefits, you can choose the perfect account for how you bank.
Personal Checking Accounts
Start Fresh Basic
Minimum to Open: $50
Service Charge: $9.95*, $3 discount with direct deposit
Overdraft protection Limit: N/A
Check Card Fee: $0
Transaction Limit: No check writing - debit card only
Interest Accrued: N/A
Start Fresh Checking
Minimum to Open: $50
Service Charge: $9.95*, $3 discount with direct deposit
Overdraft protection Limit: N/A
Check Card Fee: $0
Transaction Limit: Unlimited
Interest Accrued: N/A
Regular Checking
Minimum to Open: $100
Service Charge: $5 if average daily balance less than $500
Overdraft protection Limit: $500 (w/approval)1
Check Card Fee: $0
Transaction Limit: Unlimited
Interest Accrued: N/A
Ozark Classic
Minimum to Open: $100
Service Charge: $03
Overdraft protection Limit: $500 (w/approval)1
Check Card Fee: $0
Transaction Limit: Unlimited
Interest Accrued: Paid monthly on minimum daily balance of $1000 at current rate2
Additional Benefits: Free Checks
NOW Account
Minimum to Open: $100
Service Charge: $7.50 if balance falls below $10004
Overdraft protection Limit: $500 (w/approval)1
Check Card Fee: $0
Transaction Limit: Unlimited
Interest Accrued: Paid monthly on minimum daily balance of $1000 at current rate2
Privilege
Minimum to Open: $100
Service Charge: $0
Overdraft protection Limit: $300 (w/approval)1
Check Card Fee: $0
Transaction Limit: Unlimited
Interest Accrued: N/A
Insured Money Fund
Minimum to Open: $2500
Service Charge: $7.50 if balance falls below $10004
Overdraft protection Limit: N/A
Check Card Fee: N/A
Transaction Limit: 6 withdrawals per statement cycle w/a minimum transfer amount of $250
Interest Accrued: Paid monthly at current rate2
All Bank of 1889 checking accounts come with FREE Online Banking, Mobile Banking, Bill Pay, Touch Tone Banking, and customer service assistance.
Product | Start Fresh Basic | Start Fresh Checking | Regular Checking | Ozark Classic | NOW Account | Privilege | Insured Money Fund |
Minimum to Open | $50 | $50 | $100 | $100 | $100 | $100 | $2500 |
Service Charge |
|
| $5 if average daily balance less than $500 | $0 3 | $7.50 if balance falls below $10004 | $0 | $7.50 if balance falls below $10004 |
Overdraft protection Limit | N/A | N/A | $500 (w/approval)1 | $500 (w/approval)1 | $500 (w/approval)1 | $300 (w/approval)1 | N/A |
Check Card Fee | $0 | $0 | $0 | $0 | $0 | $0 | N/A |
Transaction Limit | No check writing - debit card only | Unlimited | Unlimited | Unlimited | Unlimited | Unlimited | 6 withdrawals per statement cycle w/a minimum transfer amount of $250 |
Interest Accrued | N/A | N/A | N/A | Paid monthly on minimum daily balance of $1000 at current rate2 | Paid on minimum daily balance of $1000 at current rate2 | N/A | Paid monthly at current rate2 |
Additional Benefits |
Free Checks |
|
*After 12 months you qualify for Start Fresh Checking account
**After 18 months you qualify for a traditional checking account
1 Some restrictions apply. See a Customer Service Representative
2 Current rates available upon request. Interest rate & annual percentage yield subject to change without notice
3Dormant account fee $5 per month with balance less than $100
4per statement cycle with minimum daily balance of $1000 or more.
Business Checking Accounts
Small Business Checking Account
Minimum to Open: $100
Items Included: 1250 per monthly statement cycle; then $.05 per item.
Maintenance Fee: N/A
Interest Accrued: N/A
Commercial Checking Account
Minimum to Open: $100
Items Included: Per Debit Item: $.12; Per Credit Item: $.00; Out of town (transit) checks: $.06; On-us checks: $.00.
Maintenance Fee: $5 month + analysis
Interest Accrued: N/A
NOW Account1
Minimum to Open: $100
Items Included: Unlimited
Maintenance Fee: $7.50 if balance falls below $1,000.00 any day of the cycle.
Interest Accrued: Yes
Interest Bearing Business Account
Minimum to Open: $100
Items Included: Unlimited
Maintenance Fee: $7.50 if balance falls below $1,000.00 any day of the cycle.
Interest Accrued: Yes
IMF
Minimum to Open: $100
Items Included: 6 withdrawals per statement cycle with $250 minimum.
Maintenance Fee: $7.50 if balance falls below $1,000.00 any day of the cycle.
Interest Accrued: Yes
Products | Small Business Checking Account | Commercial Checking Account | NOW Account1 | Interest Bearing Business Account | IMF |
Minimum to Open | $100 | $100 | $100 | $100 | $2500 |
Items Included | 1250 per monthly statement cycle; then $.05 per item |
| Unlimited | Unlimited | 6 withdrawals per statement cycle with $250 minimum |
Maintenance Fee | N/A | $5 month + analysis | $7.50 if balance falls below $1,000.00 any day of the cycle. | $7.50 if balance falls below $1,000.00 any day of the cycle. | $7.50 if balance falls below $1,000.00 any day of the cycle. |
Interest Accrued | N/A | N/A | Yes | Yes | Yes |
1Now Account only available sole proprietorships, nonprofit organizations, and governmental units.
