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Compare Personal Checking Plans

Simply Free Personal Personal Premier Personal Interest Heritage Interest Personal Money Market
Free bank online with bill pay Yes Yes Yes Yes Yes Yes
Overdraft protection Yes Yes Yes Yes Yes Yes
Check writing allowed? Yes Yes Yes Yes Yes Limited
Opening balance $100 $100 $100 $1,000 $100 $2,500
Withdrawl limitations Unlimited Unlimited Unlimited Unlimited Unlimited Regulatory Limitations
Earns interest? No No No Yes Yes Yes
Balance required to earn interest N/A N/A N/A $1000 collected $1000 collected $2500 collected
Interest rate N/A N/A N/A Variable-tiered
  • $1,000
  • $10,000
  • $25,000
  • $50,000
 Variable-tiered
  • $1,000
  • $10,000
  • $25,000
  • $50,000
 Variable-tiered
  • $2,500
  • $10,000
  • $25,000
  • $50,000
Minimum balance required (to avoid service charge; based on actual balance) N/A $1,000 $5,000 $1,000 N/A $2,500
Maintenance fee (based on actual balance or accidental death & dismemberment insurance purchased)

No charge

$1,000 balance: $0 fee

< $1,000 balance: $8 fee

$5,000 deposit: $0 fee

< $5,000 deposit

$10,000 insurance: $6 fee

$20,000 insurance: $7 fee

$30,000 insurance: $8 fee

$1,000 balance: $0 fee

< $1,000 balance: $10 fee

No charge

$2,500 balance: $0 fee

< $2,500 balance: $10 fee
Activity fee No charge No charge No charge No charge No charge $10 each (after 6 free per month)
Statement frequency Monthly Monthly Monthly Monthly Monthly Monthly
Statement Options
Use Check Safekeeping (no check facsimilies in statement) -OR- Required Yes Yes Yes Yes Yes
Get facsimiles of canceled checks in statement N/A Yes, $2 fee applies Yes, $2 fee applies Yes, $2 fee applies Yes, Yes, $2 fee applies
Free checks? Yes no Yes no 1st order of 50 free! no