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Personal Checking Comparison

Banterra SmartChoice Banterra InterestPlus Banterra Green Banterra Restart Banking
Account Description Has great benefits including identity theft protection and cell phone protection Allows you to earn interest on money in your checking account Offers the essentials while encouraging a green environment through paperless practices Provides an option if you’ve previously not been eligible for a checking account
ID Protect® sprite
Cellular Phone Protection sprite
Interest Bearing sprite
Free Visa® Debit Card sprite sprite sprite sprite
$750 merchandise limit and $300 cash limit per day
Free Digital Banking including online and mobile with easy-to-use iPad & SmartPhone Apps sprite sprite sprite sprite Mobile Check Deposit not available
Free Online Bill Pay sprite sprite sprite
Free Online Statements sprite sprite sprite sprite *
Free Foreign ATM Transactions No Banterra fee on up to eight (8) non-Banterra ATM transactions per statement cycle; other financial institution fees may apply.
Free Personalized Checks 50% off first box of checks First box of standard checks free; 50% off future orders
Additional Benefits Additional $1 monthly fee for online banking customers who request paper statements in addition to free online statements Free paper statements, free cashier's checks and money orders, $200 discount on Banterra mortgage closing costs, 50% discount on safe deposit box and personal storage lockers Additional $1 monthly fee for online banking customers who request paper statements in addition to free online statements Banterra Restart Checking includes unlimited check writing; not included with Banterra Restart Basic. Additional $1 monthly fee for online banking customers who request paper statements in addition to free online statements
Minimum Opening Balance $100 $1,000 $100 $50
Minimum Balance None $2,500 minimum balance in the account each day to earn interest None None
Monthly Fee $5 $15 $5 $9.95* (Save $3 per month with direct deposit)
Can Monthly Fee Be Avoided? No Yes Yes No
How Can Monthly Fee Be Avoided? N/A $5,000 minimum daily balance is maintained in this account or $20,000 combined average balance in this account, identified checking, savings & money markets, or minimum balance in certificate of deposit (CD). The CD minimum balance equals the current balance at the beginning of each statement period. Option 1 - $500 daily balance is maintained in this account
Option 2 - A combined average balance of $2,500 is maintained with checking, savings, money market, or minimum daily balance in CDs and/or IRAs
Option 3 - Two direct deposits are made per statement cycle
Option 4 - Eight (8) Banterra VISA® Debit Card purchases are made per cycle.
Option 5 - Account holder is military (with proof of military status)
Option 6 - Account holder is a student (age 24 or younger with proof of student status)
Option 7 - Primary or secondary account holder is age 60 or over
N/A

*Additional $1 fee for requested paper statements if you elect to use Online Banking.

Business Checking Comparison