Personal Checking
Find a perfect fit with convenient checking accounts designed for your
unique financial lifestyle.
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UNLIMITED CHECKING
You asked! We delivered! Now you get an account that gives you free online bill pay, free debit card, no minimum balance requirement, and the ability to have no monthly fee.*
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DETAILS
- ATM Fee Refunds (Up to $10 is refunded on the last day of every month)
- Free Online Bill pay
- Free eStatements (Paper statements are available at a monthly fee of $3.00)
- Discounted Medallion Service
$100 minimum deposit to open
$500 monthly electronic deposits required
$6 monthly fee* - waived if the following criteria are met:
- Electronic deposits 2 of $500 or more are deposited during the month and 15 or more debit card purchases are made during the month
- Reorder checks inside Telcoe Arkansas App
1 Subject to approval.
2 Electronic
deposits do not include debit card or ATM deposits.
ADDITIONAL PERKS
BASICALLY AWESOME CHECKING
No minimum balance or electronic deposits needed, no monthly debit card fee, and Telcoe's online services, this account is....basically awesome!
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DETAILS
- Checking with no minimum balance and unlimited transactions
- No electronic deposit requirement
- Free eStatements (Paper statements are available at a monthly fee of $3.00)
- Online Bill Pay (available for $5.95 per month fee waived for first 30 days)
- Discounted Medallion Service
- Reorder checks inside Telcoe Arkansas App
$50 minimum deposit to open
$6 monthly fee is assessed on the first day of each month
1 Subject to approval.
ADDITIONAL PERKS
MARKET INVESTOR CHECKING
Want your cake and eat it too? Increased dividend earning potential on your balance up to $10,000. We want to WOW you with a higher than average dividend paying checking account that has the ability to have no fees and free services.*
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DETAILS
- Earn dividends (see our rates)
- Free eStatements (Paper statements are available at a monthly fee of $3.00)
- Discounted Medallion Service
$1,000 minimum deposit to open
$1,000 monthly direct deposit needed
*$6 monthly fee - waived
if either of the following criteria are met:
- Electronic deposits2 of $1,000 or more are deposited during the month and 15 or more debit card purchases are made during the month
- Aggregate balance in the membership is $10,000 or more
- Reorder checks at www.Telcoe.com
1 Subject to approval.
2 Electronic
deposits do not include debit card or ATM deposits
ADDITIONAL PERKS
BUDGET DRAFT ACCOUNT
Telcoe's Budget Draft Account is a separate bill paying account where the only withdrawals are from automatic debits you schedule for your home or rent, vehicle, utilities, credit cards, etc. It is the easiest way to set aside money to pay bills.
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DETAILS
- No minimum balance
- Free eStatements (Paper statements are available at a monthly fee of $3.00)
- Online Bill Pay (available for $5.95 per month - Fee waived for first 30 days)
- Discounted Medallion Service
$50 minimum deposit to open
$400 per month direct deposit required
$6 monthly fee (waived if the average daily balance in the account is $750)
1 Subject to approval.
ADDITIONAL PERKS
STUDENT CHECKING
This account ACES the test! Start your student on the right financial foot with our Student Checking - your 4.0 GPA solution to teaching your child good financial habits early on. Opening this account should be at the top of your Freshman year to-do list!
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STUDENT CHECKING
- 13-18 year old students
- Parent/Guardian must agree to be joint owner on the account and overdraft share transfer setup to their existing membership.
- No minimum balance
- No electronic deposit requirement
- Free eStatements (Paper statements are available at a monthly fee of $3.00)
- $25 minimum deposit to open
- Low daily card limits set to help teach usage
18th Birthday Celebration
The account will automatically be upgraded to a
Basically Awesome Checking and subject to its disclosures and fee schedule. If the student is still in
school, please contact us to explore other options.
1 Some exclusions may apply.
2 Student checking has lower daily
limits.
ADDITIONAL PERKS
GOLDEN PLUS CHECKING
You've worked hard — now it’s time to reap the benefits. Earn competitive dividends, free e-services, free box of paper checks each year, and more.
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AMAZING BENEFITS
- Value-added checking for members age 55 and over
- Earns competitive dividends on balances over $1,500
- No monthly fee
- Free Medallion service
- Free online bill pay
- Free eStatements
- 1 free box of checks per year 3
- Reorder checks inside Telcoe Arkansas App
$100 minimum deposit to open
Direct deposit required to open 1
1 Social Security, Retirement, or Net Payroll Direct
Deposit.
2 Subject to Approval
3 Limited
to Golden Plus style checks.
ADDITIONAL PERKS
Checking Comparison
| Market | Awesome | Budget | Unlimited | Student | Golden | |
|---|---|---|---|---|---|---|
| Free Debit Card | x | |||||
| Earns Interest | 5 | |||||
| Ability to be Free | ||||||
| No Min. Balance | ||||||
| Free Bill Pay | 4 | |||||
| Electronic Deposit Req'd | ||||||
| Monthly Fee | 1 | 1 | 1 | 1 | 1 | |
| No Surcharge ATMs | ||||||
| Open Account | Open Account | Open Account | Open Account | Open Account | Open Account |
2 Some exclusions may apply.
3 Electronic deposits do not include debit card or ATM deposits
4 Online Bill Pay is $5.95 per month if opt in
5 Earns dividends on balances over $1,500