Checking Account Comparison Chart:North Carolina, Virginia, Tennessee and Maryland |
|
| Account Characteristics |
Quest | UltraQuest | Checking W/Interest |
Regular Checking |
Free Checking |
| Interest-Bearing | Yes |
Yes |
Yes |
No |
No |
| Transaction Activity | Unlimited |
Unlimited |
Unlimited |
Unlimited |
Unlimited |
| Minimum Opening Deposit | $100 |
$100 |
$100 |
$100 |
$50 |
| Balance and/or Other Requirements to Avoid Monthly Fees | $5,000 minimum combined balance in checking, Regular Savings, Tiered Money Market Savings (TMMS), Premium Tiered Money Market Savings (PTMMS), CDs, IRAs1 or Investor Services (IVS) 2 OR an EquityLine of $10,000 or more OR an existing EquityLoan account. |
$25,000 minimum combined balance in checking, Regular Savings, TMMS, PTMMS, CD, IRAs1 or First Citizens Investor Services (IVS)2 |
$750 minimum balance OR $3,500 average daily collected balance |
$500 minimum balance OR $1,250 average daily balance OR $750 minimum balance in a related Regular Savings account |
None |
| Online Banking | Free |
Free |
Free |
Free |
Free |
| Online Bill Pay | Free |
Free |
Free |
Free |
Free |
| Overdraft Protection | Available |
Available |
Available |
Available |
Available |
| Fees: | |||||
| Monthly Maintenance Fee | $16.00 |
$25.00 |
$10.00 |
$8.00 (NC/TN) |
None |
| Per Check Fee | $.40 |
None |
$.40 (NC/TN) |
$.40 (NC/TN) |
None |
| Per Electronic/ ATM Fee | $.30 |
None |
$.30 (NC/TN) |
$.30 (NC/TN) |
None |
| Per PIN-Based Transaction | $.30 |
None |
$.30 |
$.30 |
None |
| Non-Proprietary ATM Fee | None |
None |
$2.00/transaction (NC/VA) |
$2.00/transaction (NC/VA) |
$2.00/transaction (NC/VA) |
| Check Handling: | |||||
| Check Safekeeping | No Charge |
No Charge |
No Charge |
No Charge |
No Charge |
| Check Imaging 3 | No Charge |
No Charge |
No Charge |
No Charge |
No Charge |
| Check Return | $10.00 |
$10.00 |
$10.00 |
$10.00 |
Not Available |