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Truth In Savings

Carefree Checking Account Truth in Savings Disclosure

Minimum Balance Requirements

  • There is no minimum deposit amount required to open this noninterest-bearing account.

Transaction Limitations

  • You may make unlimited deposits into or withdrawals from your account each month. 

Service Fees

The following fees may be assessed against your account:


Stop Payments (per item) $35.00
*Overdrafts (per item paid or returned) $40.00
Deposit Item Chargeback (per item) $15.00
Research (per hour/minimum $30) $30.00
Escheat Processing $100.00
Dormant Account (per month after one year) $5.00
Early Account Closure (within 180 days of opening) $30.00
Foreign ATM Cash Withdrawals                          $2.00

Check printing fees vary based upon the check style selected.

* The overdraft fee applies to overdrafts created by in person withdrawal or electronic means as applicable. The fee is assessed on only the first six overdraft items per day.

Additional Account Information

  • Accounts at a zero balance for 45 days will be permanently closed. 

The Carefree Checking Account provides the following customer privileges:

  • Unlimited check writing
  • No Minimum Balance Fees
  • No Transaction Fees
  • No Monthly Service Fees
  • Free Online Banking
  • Free Online Bill Pay & Presentment
  • Free Telephone Banking


Member FDIC