Personal Checking
Personal Checking

Type Of Account Minimum to Open Minimum Daily Balance To Avoid Maintenance Fee Account Maintenance Fee
(If daily balance is below minimum daily balance.)
Interest Bearing / Interest Compounding and Crediting Method Account Features Transaction Fees and Limits Recommended and Designed Especially For Negative Collected Funds Charge
IDEAL CHECKING $100.00 $500.00 $7.00
per month
N/A
  • Unlimited check-writing privileges
  • ATM Access(2)
N/A Individuals that write numerous checks and maintain a lower balance 17.9% Interest
BUDGET CHECKING $50.00 $100.00 $5.00
per month
N/A
  • First 10 debits per month free
    ($0.50 each in excess of 10 per month)
  • ATM Access(2)
N/A Individuals that write a limited number of checks 17.9% Interest
VALUE CHECKING $100.00 N/A N/A N/A
  • Unlimited check-writing privileges
  • ATM Access(2)
N/A Individuals over the age of 55 17.9% Interest
DIRECT DEPOSIT CHECKING $100.00 N/A N/A N/A
  • Unlimited check-writing privileges
  • ATM Access(2)
N/A Individuals with payroll direct deposit 17.9% Interest
DELUXE PERSONAL NOW $500.00 $1,000.00 $8.50
per month
Tiered rate structure. This allows your interest rate to increase as your balance increases(1).

No interest will be paid if the average collected balance is below $1,000.00.
  • Unlimited check-writing privileges
  • ATM Access(2)
N/A Individuals that write numerous checks and maintain a high balance 17.9% Interest
ADVANTAGE MMDA $500.00 $2,500.00 $12.00
per month
Tiered rate structure. This allows your interest rate to increase as your balance increases(1).

No interest will be paid if the average collected balance is below $2,500.00.
  • 6 Debits(3)
    Federal law limits transactions to 6-debits per statement cycle.
Excess debit/check charge $5.00 per debit in excess of 6 debits. Individuals that write a limited number of checks and maintain a high balance 17.9% Interest

(1) If account is closed prior to end of statement, no interest will be paid for that statement period.
(2) ATM non-proprietary fee of $2.00 per transaction.
(3) Federal law may impose additional limitations.
Monthly image statements are provided at no charge to all checking accounts.

Monthly service fees are based on daily balances. Fees can reduce earnings on the account, and interest rates are determined by the bank, based on current market indicators. Rates are subject to change daily.
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2009 American First National Bank.
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