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Non-Rewards Checking

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TBTmyWay
Advantage
Money Market
Account Description Personal account designed for the digital world A no-hassle checking account for customers 55 and over with unlimited check writing and other benefits Offers customers higher variable rates of interest based on higher balances
Monthly Service Charge N/A No
$20.00 service fee every statement cycle, if the account minimum balance falls below $5,000 on any day during the statement cycle
Minimum To Open $50 $50 $100
TBT VISA® checkcard No fee $1.50/statement cycle (monthly) Plus $1.00 for each additional card Not available for this account
Checks Not available Variety of check styles and prices Variety of check styles and prices

Earns Interest

No No Yes – View Rates
Variable rate* with five tiered interest levels:
TBTmyWay
(online banking)
No fee No fee No fee
myPay
(online bill payment)
No fee Optional – No fee for first 90 days. $1 per month for up to 3 payments; $0.35 per item after. Fees are charged on the last day of the month. Optional – No fee for first 90 days. $1 per month for up to 3 payments; $0.35 per item after. Fees are charged on the last day of the month.
Statements eSTATEMENTS only - No fee 1 Option of no fee monthly eSTATEMENTS or paper statements with images. Option of no fee monthly eSTATEMENTS or paper statements with images
Additional Benefits 2
  • No fee 24-hour ExpressPhone Banking 
  • Allows for direct deposit
  • No fee 24-hour ExpressPhone Banking 
  • Allows for direct deposit
  • No fee 24-hour ExpressPhone Banking 
  • Allows for direct deposit 
  • Eligible for OMNIClub
Check-Writing or Withdrawals Per Month N/A Unlimited Up to 6 withdrawals or transfers per monthly statement cycle
SMARTDeposit No fee No fee No fee
Other Possible Fees View Fees View Fees View Fees
FDIC Insured
Yes
Yes
Yes
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*Variable Rates. May change after account opening, and subject to change without notice.

1 Paper statements are not available on this account

2 TBTmyWay, Advantage, and Money Market checking accounts offer an add-on package of $30,000 Accidental Death & Dismemberment Insurance, ID theft 911 resolution, and cell phone protection available for $3 monthly fee.