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Personal Checking Comparison

Find out which account is right for you.

AccountBudget CheckingSky High CheckingTime of Your Life Checking

$100 to open account

No minimum balance

$100 to open account

No minimum balance

$100 to open account

For customers age 55 and above

Service Charges $5 monthly service charge, waived if you receive an eStatement No monthly service charge $5 monthly service charge, waived if the Daily Average Collected Balance remains above $100 during the statement cycle 
Statement Options  Mailed paper statement or eStatement eStatement Mailed paper statement or eStatement
Interest  No interest
  • 3.05% APY* earned on any daily collected balance of $25,000 and below
  • 0.25% APY* earned on any daily collected balance above $25,000 (Blended rate on statement)
Interest compounds and is credited to the account monthly on daily collected balances of $1,000 or more
Other Account Details  N/A

To earn rate, the following must happen each statement cycle:

  • 20 debit card transactions posted and cleared (POS, non-ATM)
  • Log onto online banking
  • Direct deposit or automatic payment
  • Receive eStatement

Statement cycle ends on the 15th of the month.
If it falls on a weekend or holiday it falls on the Friday prior to the 15th

  • Free basic checks
  • $5 discount on safe deposit box per year (automatic payment is required)

Account holders under 18 must have an adult joint owner.

* Account holders not meeting requirements will receive 0.10% APY on entire balance. Annual Percentage Yield (APY) of 3.05% is based on an Interest Rate of 2.75%. Rates are accurate as of January 16, 2019. Rates are variable and subject to change. At Andrew Johnson Bank's discretion, changes may occur to the qualification requirements and/or the balance tier on this account.

Banking your way.

Everyone banks differently, so we offer a suite of standard options at no extra charge with every personal checking account:

  • Unlimited check writing
  • Instant issue ATM/Debit cards
  • Online Banking
  • Bill Pay with Money Pop
  • First Lady Telephone Banking
  • Four “other bank” ATM charges refunded per statement cycle
  • Mobile banking with mobile deposit
  • All eStatements include check images

ATM Card Limits

  • $500 in cash at ATMs
  • $500 in purchases at retail merchants who display and accept the ACCEL logo on PIN-based transactions

Debit Card Limits

  • $500 in cash at ATMs
  • $1,000 in point-of-sale transactions

Need to increase your card limits?

Any bank employee can handle your request to raise limits on a temporary basis, not to exceed $2,500, so long as the funds are available. There may be circumstances when a higher or lower limit may be selected for individual cards.

However, ATMs operated by other financial institutions may have additional limitations.

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