Blue is different. Where other banks charge you service fees to maintain a balance, we pay you for it! Discover our Extreme Checking, where we pay big dividends and refund ATM fees. Why? Because we love our members. You'll never pay a service fee, no matter what your balance is. Your rewards score is determined through a combination of your number of unique services, length of membership and total savings and loan balances. Each product and service is worth one (1) point and your years of membership and combined relationship balances varies in points awarded.
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This is for people who just use a checking account to pay some bills and perhaps use a debit card to pay some daily expenses. Some basic accounts require direct deposit or a minimum balance to avoid monthly “maintenance” fees. You may be limited to a certain number of checks per month; exceed that number and you’ll pay a “per item” fee for each additional check you write. You don’t want to maintain a high balance in these accounts because you won’t be paid interest.
A free checking account is “no monthly service charges or per-item fees regardless of balance or activity.” Free checking doesn’t mean you won’t have to pay any fees. If you bounce a check, you’ll pay a nonsufficient funds fee (NSF).
These accounts usually need a minimum balance to open, and you may need to maintain an even higher balance to avoid fees. For example, a bank may require just $50 to open an account, but will charge $5 in service fees each month if you don’t maintain a $1,000 balance. Interest usually is paid monthly, but these accounts pay a notoriously low interest rate, and don’t suit most.
An account owned by two or more people with each co-owner having equal access to the account. Most types of accounts, whether it’s basic checking, savings or money market, allow for joint use.