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If requirements are not met you will earn 0.05% APY.
To earn the interest rates and APYs posted, you must have at least 12 debit card point-of-sale (POS) purchases post and clear within a qualification cycle; Have at least one direct deposit or automatic payment post and clear within a qualification cycle; AND Enroll in Online Banking and receive electronic statements.
Free Check Writing Privileges
Westfield Bank will reimburse up to $12 per month of ATM surcharges incurred using your Westfield Bank ATM/Debit card outside of the MoneyPass Network.
Surcharge free Online Banking and Bill Pay
Westfield’s mobile banking app will allow both personal and business banking customers to pay bills, transfer funds, and utilize mobile deposit capture on any smartphone, tablet or laptop
Free initial checks (50-pack) if ordered at account opening.
Free online images of checks and statements.
Your interest rate can be as high as 1.24% based on the following combined rate rewards: direct deposits totaling $1,000 or more; two bill payment transactions per month; one to five debit card purchases per month and six or more debit card purchases per month.
No fee for an item generating a negative balance less than the NSF fee.
Unlimited ATM reimbursements at any domestic ATM in the US - confirmed by the bank.
ATM fee reimbursements provided only if qualifications are met within the monthly qualification cycle.
To qualify for shown interest rates you must: Have at least 10 debit card purchases post and clear AND Access Online Banking AND Receive free e-Statements AND Have at least 1 direct deposit or ACH auto-debit. Otherwise Interest rate and APY is 0.05%.
To maintain a Maximum Checking Account, you must (a) receive a monthly direct deposit OR (b) make at least ONE online bill payment per month. If these eligibility requirements are not met, the account may be converted to a Free Checking account.
If you do not meet the qualifications during the month, you will earn 0.01% APY on your entire checking account balance.
Earn a high interest rate and ATM fee refunds when you make 8 debit card purchases, have one direct deposit or one ACH auto debit, and Enroll in eStatements and then maintain a valid e-mail address with Lake City Bank in order to obtain monthly statements electronically.
If you overdraw your checking account, Lake City Bank may cover your shortfall up to your overdraft limit ($200 for accounts opened 30 days or less/$1,000 for accounts opened more than 30 days) instead of returning your item unpaid.
Unfortunately, there are no checking accounts that match your filters.