Personal Checking Portfolios
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| Account Utility Benchmark | Preference Checking | Free Checking | Senior Checking | Interest Checking | Ultimate Checking |
|---|---|---|---|---|---|
| Yield Accrual / Earns Interest | — | — | — | Included ✓ | Premium Yield ✓ |
| Digital Check Imaging Statements | Included ✓ | Online Gateway Portal Only | Included ✓ | Included ✓ | Included ✓ |
| Minimum Capital Maintenance Requirement | $400.00 | $0.00 | $0.00 | $500.00 | $7,500.00 |
| Account Ledger Maintenance Fee (Assessed only if balance drops below benchmark tier) |
Standard Fee Applies | $0.00 Waived Completely | $0.00 Waived Completely | Standard Fee Applies | Standard Fee Applies |
Preference Checking
This profile engineers direct transactional convenience by balancing low minimum reserve thresholds with the security of infinite liquidity checking access. Features infinite processing limits with zero per-check clearing fees, paired with physical check item records provided with monthly statements.
Free Checking
A versatile, lightweight, and completely fee-free structural node. Features zero mandatory maintenance overhead fees, zero balance limits, and total transactional capabilities. Portfolio statements and ledger images remain immediately accessible online via the digital internet banking module.
Senior Checking
Customized specifically for asset holders aged 55 or older, providing a high-trust framework for retirement capital. Features zero monthly maintenance fees, zero balance constraints, and full physical check records tracking integrated with statement dispatches.
*Interest Checking
An optimized check portfolio that operates as an active interest-bearing tool. Earn continuous yields on your capital while retaining unconstrained liquidity checks access with zero ledger processing overheads.
*Ultimate Checking
Our premier checking option designed to optimize complex deposit networks with premium rewards. Features elite capital growth yield tiers paired with high-priority complimentary perks: a complimentary layout box of bank checks annually, priority notary access, 10 complimentary document copies monthly, and a flat 10% discount on vault safe deposit locks.
*Structural exceptions may occur for select enterprise structures, LLC configurations, and standard partnerships in strict adherence with federal banking regulations dictating NOW portfolio eligibility thresholds.