Deposit Products
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Calculators
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Deposit Products
CHECKING ACCOUNT COMPARISON CHART |
FEATURES
AND BENEFITS |
PINNACLE
CHECKING (NOW) |
CHARTER
CHECKING (NOW) |
CHOICE
CHECKING |
50 PLUS FREE
SPIRIT CHECKING (NOW) |
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| Free with direct deposit1 |
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| Premium Privileges points awarded at new account opening |
300 |
200 |
100 |
100 |
| Interest bearing |
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| Direct deposit Premium Privileges rewards points |
75 |
75 |
75 |
75 |
| ATM Surcharge Fee Waivers2 |
all |
8 per statement cycle |
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| Free checks for life of account |
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| Unlimited check writing privileges |
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| No per check fees |
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| Free Online Banking |
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| Free Online Bill Pay |
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| Free Telephone Banking |
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| No-Fee Visa Check Card3 |
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| Open to buy limits4 |
$10,000 |
$5,000 |
$2,000 |
$2,000 |
| REAL TIME Visa® Check Card and ATM card monitoring service for potentially fraud activity |
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| Debit Card Rewards |
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| 1/4% interest rate bonus on CDs |
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| 1/4% interest rate discount on Consumer Loans |
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| Fee-free wire transfers5 |
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| Fee-free Traveler's Cheques |
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| New mortgage Premium Privileges rewards points |
200 |
200 |
200 |
200 |
| New home equity Premium Privileges rewards points |
200 |
200 |
200 |
200 |
| Courtesy Overdraft fee waiver6 |
2 per year |
1 per year |
1 per year |
1 per year |
| Discount on safe deposit box rental fees when automatically debited from a checking or NOW account7 |
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| Complimentary insurance review performed by an insurance professional at Carnall Insurance, Inc.8 |
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| Complimentary investment plan review performed by a Financial Advisor with Fairfield County Financial Services9 |
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| Check Safekeeping |
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| Minimum to Open |
$25,000 |
$500 |
$500 |
$100 |
| Monthly service charge waiver requirements |
Waived if on the statement service charge calculation date, the average daily balance** of account is $25,000 or more OR cumulative balance in all savings accounts is $50,000 or more OR cumulative balance of all loan accounts is $50,000 or more |
Waived if on the statement service charge calculation date, the average daily balance** of account is $1,750 or more OR cumulative balance in all savings accounts is $10,000 or more OR cumulative balance of all loan accounts is $25,000 or more |
Charge waived when the average daily balance** of the account is $500 or with recurring direct deposit of full amount of payroll, pension, social security or other similar benefit. Service charge imposed during any statement cycle in which no direct deposit is credited or average daily balance of the account is less than $500. |
Charge waived for individuals age 50 or over - all owners must be 50 or older AND have a recurring direct-deposit of the full amount of payroll, pension, social security or similar benefit. Service charge imposed during any statement cycle in which no direct deposit is credited. |
| Monthly Service Charge Fee if Not Waived |
$20.00 per cycle |
$10.00 per cycle |
$10.00 per cycle |
$10.00 |
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1 Available to new accounts that include direct deposit. Direct deposit is the automatic recurring credit of your payroll, pension, Social Security, or
similar
recurring benefit. A minimum of one payment per statement cycle must be received to waive the monthly service charge.
2 An ATM surcharge waiver eliminates your payment of a surcharge imposed by ATM owners and operators other than Fairfield County Bank or
Ridgefield Bank, a division of Fairfield County Bank. Surcharge fees are rebated monthly.
3 You may be assessed fees at ATMs other than those owned and operated by Fairfield County Bank and Ridgefield Bank, a division of Fairfield
County Bank, unless waived as identified in footnote 2 above.
4 Open to buy limits are the amount of signature-based transactions which may be processed against your Visa® Check Card on a single day.
5 We will provide wire transfer services for both domestic and international wire without charging a fee. In the case of international wires a fee may
be charged by a third party. This fee will be debited from your account during settlement.
6 A courtesy payment of an overdraft without an overdraft charge. Account owner must notify the bank for rebate based on the eligibility set forth in
this schedule.
7 Subject to availability. A discount of 50% of the annual cost will be applied when the annual rental cost is scheduled for automatic deduction
from a Fairfield County Bank or Ridgefield Bank, a division of Fairfield County, account at the time of lease.
8 Carnall Insurance, Inc. is a wholly-owned subsidiary of Fairfield County Bank.
9 Securities offered through INFINEX INVESTMENTS, INC. Member FINRA/SIPC.. Infinex and the Bank are not affiliated.
*Investment and Insurance Products:
- Not insured by the FDIC
- Not a deposit or other form of obligation of the Bank
- Not insured by any federal government agency
- Not guaranteed by the Bank
- Subject to investment risk; may go down in value
**The average daily balance is calculated by adding the funds on deposit in the account each day of thestatement cycle and dividing that figure
by the number of days in the statement cycle.
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