above the rest
Get ahead with our Advantage Checking. Earn interest and enjoy access to great digital banking features.
FREE mobile banking with mobile deposit2
FREE Visa® debit card with controls and alerts
FREE online banking and bill pay
advantage Checking Features1
- Monthly Minimum Balance Fee of $15.00. To avoid this fee:
- Maintain an average balance3 of $1,500.00; OR
- Maintain a combined average balance of $15,000.00 in related Tri City National Bank checking, savings, and/or money market account(s). Combined accounts must be linked to qualify (contact us to link), OR
- Receive one (1) ACH Direct Deposit each statement cycle.
- Earn interest. Interest is compounded and credited monthly.
- ATM withdrawals at non-Tri City ATMs: first 2 ATM withdrawals free each statement cycle
- Free Online Banking and Bill Pay
- Free Mobile Banking with mobile deposit2
- Free Visa® debit card with controls and alerts
- Free access to Zelle® in the Tri City app
- Free eStatements. Customer must sign up to receive.
- Paper statements are $3 per month; fee is waived for personal accounts if the primary account owner is 65 years of age or older.
- $50 minimum deposit to open
$25 Grace Amount for overdrawn balances
Grace Amount (de minimis exclusion from overdraft fees): If you unintentionally overdraw your account and the ledger balance after all items have been processed for that day is $25 or less no overdraft fees will be assessed. A $25 continuous overdraft fee will be assessed every 6th business day your account remains overdrawn. Overdraft Fees are $35 per item and can be imposed for covering overdrafts created by check, in-person withdrawals, ATM withdrawals or other electronic means. Whether your overdraft is paid is discretionary and the bank reserves the right not to pay. A deposit must be made to bring your overdraft balance positive immediately.
Advantage Checking
| Tier | Interest Rate | APY* | Minimum to Open |
|---|---|---|---|
| Below $1,500 | 0.01% | 0.01% | $50.00 |
| $1,500+ | 0.02% | 0.02% | $50.00 |