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Personal Checking Comparison

Find out which account is right for you.

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Requirements

$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 E-Statement No monthly service charge $5 monthly service charge, waived if the Daily Average Collected Balance remains above $100 during the statement cycle 
Statement Options  E-Statement or mailed paper statement E-Statement E-Statement or mailed paper statement
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 the stated APY*, the following must happen each statement cycle:

  • 20 debit card transactions posted and cleared (point-of-sale, excludes ATM's)
  • Log onto online banking at least once
  • Direct deposit or electronic bank draft posted and cleared
  • Receive E-Statement

Statement cycle ends on the 15th of the month unless it falls on weekend or holiday (cycle ends on Friday if the 15th falls on the weekend or Monday holiday)

  • 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% Annual Percentage Yield (APY) on entire balance.  APY of 3.05% is based on an Interest Rate of 3.01%. Rates are accurate as of November 1st, 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.  Fees may reduce earnings. 

Banking your way.

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

  • Debit Cards Instantly Issued
  • Bill Pay with PopMoney
  • 4 “other bank” ATM fees refunded per statement cycle
  • Mobile banking with mobile deposit (with Bank approval)

ATM Card Limits

  • $500 in cash at ATMs

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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