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specialPersonal Checking Accountsspecial
Product Comparison
As of May 1, 2004

SIMPLY
FREE
Checking

Sensible Checking

Senior Checking

Special Checking

NOW Account

Super NOW Account

Platinum Account
Minimum Balance To Avoid Monthly Maintenance & Activity Fees

$0.

$300
each day of the statement cycle

$0.

N/A

$525
each day of the statement cycle

$2,500 average for the statement cycle

$2,500 average for the statement cycle
Monthly Maintenance Fee

$0.

$4.00

$0.

(a) $5.00 or (b) $7.00

$5.25

$5.25

$10.00
Activity Fees

$0.

$.25 per check posted

$0.

$0.

Up to 25 checks -- no charge.

Over 25 checks -- $.25 each, regardless of balance.

Up to 25 checks -- no charge.

Over 25 checks -- $.25 each, regardless of balance.

$0.
Free images of paid checks and deposit slips

No.

Yes.

Yes.

Yes.

Yes.

Yes.

Yes.
Other Fees

$25 NSF/OD fee per item.
$5 fee for deposited item returned NSF.
Continuous
OD fee
(after 5 days) $2 per day

$25 NSF/OD fee per item.
$5 fee for deposited item returned NSF.
Continuous
OD fee
(after 5 days) $2 per day.

$25 NSF/OD fee per item.
$5 fee for deposited item returned NSF.
Continuous
OD fee
(after 5 days) $2 per day.

$25 NSF/OD fee per item.
$5 fee for deposited item returned NSF.
Continuous
OD fee
(after 5 days) $2 per day.

$25 NSF/OD fee per item.
$5 fee for deposited item returned NSF.
Continuous
OD fee
(after 5 days) $2 per day.

$25 NSF/OD fee per item.
$5 fee for deposited item returned NSF.
Continuous
OD fee
(after 5 days) $2 per day.

$25 NSF/OD fee per item.
$5 fee for deposited item returned NSF.
Continuous
OD fee
(after 5 days) $2 per day.

SIMPLY
FREE
Checking

Sensible Checking

Senior Checking

Special Checking

NOW Account

Super NOW Account

Platinum Account
Interest Paid on Account

N/A

N/A

N/A

N/A

Variable rate, bank- determined.

No interest on days balance falls below $525.

Variable rate, bank- determined.

Usually more than NOW rate. NOW rate paid on days balance < $2,500. No interest on days balance < $525.

Variable rate, bank- determined.

Usually more than NOW rate. NOW rate paid on days balance
< $2,500. No interest on days balance
< $525.
Minimum Balance to Open Account

$50

$50

$50

$50

$50

$50

$50
Other Account Features

N/A

N/A

Available to customers who are 55 years of age or more.

(a) Package account with: FREE notary service, travelers' cks., cashiers cks., money orders, and utility bill autopayments OR (b) Same as (a) plus free check printing.

Available to personal customers, farmers, sole- proprietor- ships, & gov't. entities. Not available to partnerships or corporations.

Available to personal customers, farmers, sole- proprietor- ships, & gov't. entities. Not available to partnerships or corporations.

Up to 3 checks may be written per month, and a total of 6 withdrawals/ transfers may be made from the account each month. No ownership restrictions (available to individuals, farmers, sole-proprietorships, partnerships, corporations, governmental entities and other organizations).

SIMPLY
FREE
Checking

Sensible Checking

Senior Checking

Special Checking

NOW Account

Super NOW Account

Platinum Account

Applicable to all Personal Checking Accounts:

  • Monthly statements.
  • SSBBank ATM/debit cards and ATM transactions at SSBBank ATMs, are FREE. $1.00 fee for making a withdrawal, transfer, or balance inquiry at another institution's ATM. (No fee for making a deposit in another institution's ATM. Also, no fee for POS transactions using ATM/debit card.)
  • Night deposit service available FREE. (Deposits may be made in an envelope).

 
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