You 1st Platinum Checking
An account that believes your time and money are both valuable.
Handle financial matters in minutes with our user-friendly digital banking tools.
Keep a bigger balance and get rewarded with higher earnings.
You can have a high-interest account with steady returns. And you can have a separate full-service checking account. Or you can have both of the above in one complete package with You 1st Platinum Checking. Plus unlike money market accounts, no one is keeping track of your monthly transaction amount. By keeping a minimum balance of $1,500, you'll earn our highest checking interest rate while also enjoying features like Online Banking, electronic Bill Pay and mobile check deposit.
- Earn additional dollars with a highly competitive interest rate
- Avoid $8 monthly service charge by maintaining balance of at least $1,500
- Free checks
- Choose free e-Statements or paper statements sent via U.S. mail
- Check images are provided online and as part of your monthly e-Statement
- Free Debit Mastercard for fast, easy purchases online and in stores
- Free Online Banking and Bill Pay
- Free Mobile Banking and mobile check deposit
- Access to nationwide ATM network
The following applies to all interest bearing accounts listed on this schedule of fees and services. The interest rate and *Annual Percentage Yield (*APY) are subject to change weekly.
- Balance Computation Method: We use the daily balance method to calculate the interest on your account. This method applies the daily periodic rate to the principal in the account on each day. Interest is paid (credited) and compounded monthly, except for Regular Savings which is paid (credited) and compounded quarterly.
- Accrual: Interest begins to accrue no later than the day we receive full credit for the deposit of non-cash items (for example checks)
- All interest bearing accounts are variable rate accounts. We may change the rate at our discretion.
- If you close your account before interest is credited, you will receive interest only if you notify us at the time of closing. If you do not tell us you are closing your account you will not receive your accrued interest.
- Effect of Fees: Fees may reduce earnings.