Freestyle Checking

Checking Account: Freestyle Checking

Minimum to Open: $25.00

Monthly Service Charge (per statement cycle): $10.00

Requirements to Avoid Service Charge

• Have one (1) or more client-initiated debit and/or credit transactions post to the checking account per statement cycle; OR

• The primary account owner is under the age of 18 or age 64 or older provided there is a valid date of birth on file; OR 

• The primary account owner is also an eligible Priority Checking or Private Wealth Management client.

Account Features

Statement: Imaged statements are produced and delivered monthly, free of charge, in the Personal Digital Banking Applications. Paper statements may be available, free of charge, upon request. Contact a banker, at any time, if you do not receive a statement for this account.

Account Closure: We may close any account, in our sole discretion, at any time, for any or no reason, and without notice to you. For example, if this account maintains a $0 balance for at least sixty (60) consecutive calendar days, we may close this account. 

Inactive Accounts: An inactive account is defined as an account having no client-initiated activity or contact for a period of 180 consecutive calendar days. Client-initiated activity reactivates an inactive account and includes deposits or withdrawals made in-person, by check, ATM or by electronic means. It does not include any interest, fees and charges assessed by the Bank. Please note that depositing funds via Mobile and Online Banking reactivates your account. However, with Mobile and Online Banking, if your account is inactive, you may not be able to transfer money out of your account. You can reactivate your account by visiting a Financial Center or calling our Contact Center at 1-800-448-8812 to speak to an associate. Your account should resume all normal activities by the next business day after contact or client-initiated activity has occurred. If your checking account has not had client-initiated activity or contact for 1 year, your account will become dormant, as disclosed in the “Dormant Account” section below and in the "Unclaimed Property and Dormant Accounts" section of the Deposit Agreement.

Fees

• Closing Fee within one hundred eighty (180) days of opening: $20.00

• Dormant Account (No client-initiated debit or credit activity for one (1) year): No dormancy fee will be assessed. 

• Overdraft Charge (also referred to by us as Overdraft Fee or OD Fee) (each item): $36.00. This fee applies to items created by check, in-person withdrawals, ATM withdrawals or other electronic means. 

An item presented for payment against an insufficient available balance in your account is an NSF item. There may be instances when we return NSF items when they have been presented to us for payment. We don't charge a fee in those instances. An Overdraft Fee may be charged each time we pay any item that exceeds the available balance in your account. If an NSF item that has been returned by us unpaid is represented to us for payment and your account has an insufficient available balance, but we then pay the item, we may charge you an Overdraft Fee. If your account is overdrawn, you must immediately bring it to a positive balance. 

No overdraft fee will be imposed if after nightly batch processing, your available balance is overdrawn by $10.00 or less. Also, we will not charge you an Overdraft Fee, after nightly batch processing, for any item of $5.00 or less paid against an overdrawn balance. Finally, we will not charge you for more than 5 overdraft fees per account per day (Daily Limit).

For other information about our standard overdraft services, please refer to that disclosure titled, "What You Need to Know about Overdrafts and Overdraft Fees," which you received when opening this account or the Deposit Agreement. 

For additional charges which may be applied to this account, please refer to the Other Fees for Commonly Used Services section of this document.