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First Choice Checking FAQs

First Choice Checking

Questions And Answers

What if I can't get the direct deposit set-up for my account right away?

We understand it can take a while to get your payroll or other direct deposit established.  Therefore, we will give you a courtesy grace period of two statement cycles before imposing the conditional rate requirement.  That means that your balances up to $100,000 will receive the highest rate for the first two statement cycles whether or not you have one direct deposit or ten CheckCard purchases.  

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How do I avoid the monthly service charge?

Simply retain a minimum daily balance of $5,000 to avoid the monthly maintenance fee. Otherwise, your account will be charged $15.00.  We will give you 30 days from account opening before evaluating your account for the minimum daily balance requirement. This will give you time to bring your account balance up if you do not open the account with $5,000 or more.

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How long will the current APY be available for First Choice Checking? Is the rate quaranteed for a certain amount of time?

While we cannot quarantee our rates will never change, no formal end date to the offer has been set.

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Is there a minimum direct deposit amount required for the conditional rate component?

No. There is no minimum amount for the direct deposit amount. 

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How do I receive the ATM Surcharge Rebate?

We will automatically credit your account daily as surcharges occur, up to $15.00 per statement cycle. Rebate may be subject to tax reporting.

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Is First Choice Checking FDIC Insured?

Yes, First Choice Checking is insured to the maximum amount allowed. If you and your family have $250,000 or less in all of your deposit accounts at the same insured bank, you do not need to worry about your insurance coverage -- your deposits are fully insured.

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How can I take advantage for the maximum FDIC Insurance?

The standard deposit insurance amount is $250,000 per depositor, per insured bank, for each account ownership category. This means that a bank customer who has multiple accounts may qualify for more than the $250,000 in insurance coverage if the customer's funds are deposited in different ownership categories and the requirements for each ownership category are met.

The requirements are:

  • All co-owners must be living people (not legal entities such as corporations, trusts, estates and partnerships).
  • All co-owners must have equal rights to withdraw deposits from the account.
  • All co-owners must sign the deposit account signature card unless the account is a CD or is established by an agent, nominee, guardian, custodian, executor ro conservator.

For more information, visit:



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can current customers convert and obtain the 0.76% APY for the First Choice Checking account if they deposit additonal new money and fulfill the requirements?

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