Compare Checking Accounts
Our checking account comparison chart gives you a quick snapshot of the differences between each. Personal checking accounts differ depending on your needs and cash availability. Review our chart and find out which is the right account choice for you.
| Feature | Itasca Checking | Interest Checking | Personal Money Market | Student Checking |
|---|---|---|---|---|
| Key Benefits | No fee account for basic everyday needs. | Perfect for customers who like to make their money work harder. | Better rates as your money grows; easy access to your money. | Student will not incur a fee when using any non-Itasca Bank owned ATM within the United States. Other financial institutions may charge a fee to use their ATM. |
| Minimum deposit to open | $100 | $1,000 | $2,500 | $100 |
| Minimum balance requirements to avoid service fee | None | $1,000 | $2,500 | None |
| Monthly Service Charge (Other charges for special services may apply. See Schedule of Fees for details). | None | $10 if balance falls below $1,000 anytime during the month. | $10 if balance falls below $2,500 anytime during the month. | None |
| Minimum balance to earn interest (Refer to the Deposit Rate sheet for the current rates and terms.) | N/A | $1,000 | $2,500 | N/A |
| Statements (E-statement notices that are returned undeliverable will be converted to a paper statement and a $4 fee per month will be charged.) | E-statements; $4 per month for paper statements. | E-statements; $4 per month for paper statements. | E-statements; $4 per month for paper statements. | E-statements; $4 per month for paper statements. |
| Use of non-Itasca Bank & Trust Co. owned ATM Service Charge | $1 per transaction over 5 per statement cycle. | $1 per transaction over 5 per statement cycle. | $1.00 per transaction over 5 per statement cycle. | N/A |
| Transaction Limitations | Unlimited | Unlimited | Transactions are limited to no more than 8 transfers and withdrawals per statement service charge cycle by means of Check, Preauthorized Agreement to Third Parties (ACH) and Debit Transfers made via Online Banking, Bank by Phone or Bank Assisted Transfers made by phone. A $10 Excess Activity Fee will be charged for each transaction listed above, over 8, which clears within that statement service charge cycle. Transfers and Withdrawals made in person at Itasca Bank & Trust Co. or at an Automated Teller Machine (ATM) from a Savings or Money Market Account are unlimited. | Unlimited |
