Checking

We hope you find our accounts and financial services comprehensive and our service in the delivery of these accounts to be impeccable. It is our goal to tailor the right solution to meet your specific banking needs: from daily money management to retirement planning, loan needs and more. Please let us know how Phenix-Girard Bank can best serve you, every step of the way.

For more information regarding how Phenix-Girard Bank post checks and debits to your account, click here.

 

Basic banking Checking

Requirements

• Minimum Opening Deposit $100.00

Fees

• Monthly Maintenance Fee - $2.50

• Paper Statement Charge - $2.50

Features / Benefits

• Electronic Statement, if requested (24 images per page) 

• ATM or MasterMoney Debit Card (with approval) 

• Online and Mobile Banking

• Bounce Protection available for those who qualify

• One (1) inquiry call at no charge per statement cycle

 

Star Checking

Requirements

• Minimum Opening Deposit $100.00

• Minimum Daily Balance Requirement $1000.00 Or Direct Deposit Of $500 or more per Statement Cycle

Fees

• Monthly Maintenance Fee If Requirements Are Not Met - $5.00

• Paper Statement Charge - $2.50

Features / Benefits

• Electronic Statement, if requested (12 images per page)

• ATM or MasterMoney Debit Card (with approval) 

• Online and Mobile Banking

• Bill Payment (no charge for first 10 payments per statement cycle)

• Bounce Protection available for those who qualify

• Three (3) inquiry calls at no charge per statement cycle

 

Student Checking

An individual who is at least 14 years old and has a parent’s consent can open our Student Checking account. The parent is required to be a signer on the account until the student reaches the age of 18, at which time they can be removed. Additionally, the parent is responsible for all transactions conducted on the account, either via check, ATM, Internet, or Debit Card. At the age of 25, the account will automatically convert to a Basic Banking Checking account.

Requirements

• Minimum Opening Deposit $100.00

Fees

• Monthly Maintenance Fee - $1.00

• Paper Statement Charge - $2.50

Features / Benefits

• Electronic Statement, if requested (24 imagesper page)

• ATM or MasterMoney Debit Card (with approval)

• Online and Mobile Banking

• Bounce Protection available for those who qualify

• One (1) inquiry call at no charge per statement cycle

 

SuperStar Checking

This account earns a Superstar’s yield on your balance.

Requirements

• Minimum Opening Deposit $100.00

• The account must have a debit card with a minimum of twelve debit card transactions posted during each statement cycle

• A minimum of one ACH, such as direct deposit, is required during each statement cycle

• Valid Email Address Required

• Electronic Statements Required (12 images per page) 

• Online Banking Required

Fees

• Paper Statement Charge - $2.50

Features / Benefits

• Balances up to $49,999.99 will earn a premium yield 

• Balances over $50,000.00 will earn a variable yield 

• Bounce Protection available for those who qualify

• ATM or MasterMoney Debit Card (with approval)

• Failure to meet required criteria will result in an Annual Percentage Yield of 0.05% being paid during that statement cycle

• Available to personal account holders only. 

• Mobile Banking

• Three (3) inquiry calls at no charge per statement cycle

*Ask about our SuperStar Plus account which has the same benefits as our regular SuperStar account but also includes our Bill Payment service at no charge for the first 10 transactions during the statement cycle. All that is required is a minimum of twenty-four MasterMoney Debit Card transactions posted each statement cycle, one ACH item per statement cycle, internet banking, electronic statements, and a valid email account. 

 

Checking With Interest

Requirements

• Minimum Opening Deposit $100.00

• Minimum Daily Balance Requirement $1000.00 or Direct Deposit of $500 or more per Statement Cycle

• Must be an individual or sole proprietorship to qualify 

Fees

• Monthly Maintenance Fee If Requirements are not met - $7.50

• Paper Statement Charge - $2.50

Features / Benefits

• Earns interest

• ATM or MasterMoney Debit Card (with approval) 

• Online and Mobile Banking

• Electronic Statement, if requested (12 images per page)

 • Bounce Protection available for those who qualify

• Three (3) inquiry calls at no charge per statement cycle