Personal Checking Accounts
 
 
Free Online Banking   Free Bill Payment
 
Platinum BankSM offers you the very best of banking today. From new innovative products to the very latest in technology, we know our customer’s needs and work diligently to meet them. For exceptional service at the platinum level, welcome to Platinum BankSM.

Currently banking somewhere else? No problem! Let a Platinum BankSM new accounts representative help you with our simple and easy switch kit!

Please view below the variety of accounts Platinum BankSM has to offer!
 
   
 
 
 

Super Smart Checking
“Our account with the MOST value”

•         Earn a high interest rate on all balances up to $30,000 a lesser but competitive rate
           on balances over $30,000*
•         $50 minimum to open
•         Payment card protection and $2,500 identity theft protection
•         6 months free Identity Guard®
•         ATM fees refunded nationwide, up to $25 1
•         VISA® Check Card 2
•         $5,000 travel accidental death insurance
•         Free standard checks
•         Free cashier’s checks (up to 4 per month)
•         Member card benefits; save on dining, entertainment, travel, prescription, vision, and hearing discounts
•         E-statement required
•         25 minimum debit card transactions per month
•         2 minimum direct deposits and/or ACH transactions
•         $600 discretional overdraft allowance 3
•         No minimum balance; membership is FREE if you meet qualifications; If qualifications are not met,
           membership is a low $4.99 per month

   
 
 

Smart Checking
“Our free checking account with interest”

•         High interest rate on all balances up to $30,000 a lesser but competitive interest rate on balances over            $30,000*
•         $50 minimum to open
•         Payment card protection and $1,000 identity theft protection
•         6 months free Identity Guard®
•         ATM fees refunded nationwide, up to $25 1
•         VISA® Check Card 2
•         E-statement required
•         15 minimum debit card transactions per month
•         1 minimum direct deposit or ACH transaction
•         $600 discretional overdraft allowance 3
•         No minimum balance; no monthly fee

   
 
  Platinum Free Checking
“Perfect for everyday banking, for students, or as a convenient second account”

•         Minimum deposit to open: $50
•         Non-interest bearing
•         VISA® Check Card 2
•         Payment card protection and $1,000 identity theft protection
•         6 months free Identity Guard®
•         No Images of checks or deposits sent with monthly statements
•         $600 discretional overdraft allowance 3
•         No minimum balance; no monthly fee

   
 
  Platinum 55 Plus
“Age 55 and better”

•         Minimum deposit to open: $50
•         Non-interest bearing
•         VISA® Check Card 2
•         $10,000 travel accidental death insurance
•         Payment card protection and $2,500 identity theft protection
•         6 months free Identity Guard®
•         Member card benefits; save on dining, shopping, travel, prescription, vision, hearing discounts and more
•         Images of checks or deposits sent with monthly statements
•         Free standard checks
•         Free cashier’s checks (up to 4 per month)
•         $600 discretional overdraft allowance 3
•         No minimum balance required; membership is a low monthly fee of $5.00

   
 
  Platinum 55 Checking
“Age 55 and better”

•         Minimum deposit to open: $50
•         Non-interest bearing
•         VISA® Check Card 2
•         $5,000 travel accidental death insurance
•         Payment card protection and $1,000 identity theft protection
•         6 months free Identity Guard®
•         Discounts on dining, shopping, travel, and more
•         No Images of checks or deposits sent with monthly statements
•         $600 discretional overdraft allowance 3
•         No monthly fees; no minimum balance required

   
 
  Interest Checking
“A valuable package of financial services plus interest”

•         Minimum deposit to open: $1,000
•         Interest is paid on all balances, accrues daily and is paid monthly
•         VISA® Check Card (2)
•         Payment card protection and $1,000 identity theft protection
•         6 months free Identity Guard®
•         No Images of checks or deposits sent with monthly statements
•         $600 discretional overdraft allowance (3)
•         $10 per month service charge if daily balance falls below $1,000
   
 
  Platinum Money Market Checking
“Market-leading rates plus convenient access to your funds”

•         Minimum deposit to open: $2,500
•         Interest is paid on all balances, accrues daily and is paid monthly
•         Checks available by request
•         Up to six (6) withdrawals per month at no charge4
•         No images of checks or deposits sent with monthly statements
•         $10 per month service charge if daily balance falls below $2,500
   
   
   
 

 *If all requirements are not met, a nominal interest rate will be earned

(1) If all requirements pertaining to that account are met
(2) Subject to approval
(3) Overdraft fees apply to each item paid, and include overdrafts created by check, in-person withdrawal, ATM withdrawal, or other electronic means; in addition, daily overdraft fees apply to overdrawn accounts. See account disclosure for details.
(4) Federal regulations limit withdrawals or transfers to another account of yours or to a third-party by means of a preauthorized or automatic transfer, telephone order or instruction, check, draft or debit card (if applicable) to six (6) withdrawals during any calendar month or statement cycle of at least four (4) weeks. Fees on excessive withdrawals may reduce earnings. See account disclosure for details. For additional information, please contact our New Accounts department at 806-792-5300.

   
 
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