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.

 

Basic Checking

Requirements

• Minimum Opening Deposit $100.00. 

• Electronic Statements Required 

Fees

• No monthly maintenance fee 

Features / Benefits

• Free Image Statement (24 per page) 

• Free ATM or MasterMoney Debit Card (with approval) 

• Free Monthly Bill Payment 

• Free NetTeller Online Banking

• Free unlimited check writing

• Bounce Protection available for accounts in good standing

 

 

Star Checking

Requirements

• Minimum Opening Deposit $100.00

• Minimum Daily Balance Requirement $1000.00 Or Direct Deposit Of $250 or more per 

• Statement Cycle 

Fees

• Monthly Maintenance Fee If Below Minimum $5.00

Features / Benefits

• Free Image Statement 

• Free ATM or MasterMoney Debit Card (with approval) 

• Free Monthly Bill Payment 

• Free NetTeller Online Banking

• Free unlimited check writing

• Bounce Protection available for accounts in good standing

 

 

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. As an added bonus, parents have access to “real-time" account activity through the convenience of NetTeller. Upon 21 years of age, account will automatically convert to a Star Checking Account. 

Requirements

• Minimum balance to open account $100.00

• Electronic Statements Required

Fees

• No monthly Maintenance Fee

Features / Benefits

• Free Image statement (24 per page)

• Free ATM or MasterMoney Debit Card (with approval)

• Free NetTeller Online Banking

• Free unlimited check writing

• Free Monthly Bill Payment

• Bounce Protection available for accounts in good standing

 

SuperStar Checking

Our SuperStar account is free and your balance earns a SuperStar’s yield.

Requirements

• Minimum Opening Deposit $100.00. 

• Have at least 12 MasterMoney debit card transactions (not at an ATM) posted and cleared per statement cycle. (Transactions that occur after Phenix-Girard’s cutoff time of 5:00 PM Eastern Time on the last day of your statement cycle will post on the following statement cycle.)

• Have at least one ACH debit or credit transaction  posted and cleared each statement cycle. (Transactions that occur after Phenix-Girard’s cutoff time of 5:00 PM Eastern Time on the last day of your statement cycle will post on the following statement cycle.)

• The account must have a debit card 

• The account must have a valid email account to be eligible. 

• Monthly statements are received electronically 

• Internet banking is required. 

Fees

• No monthly maintenance fee 

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 accounts in good standing

• Free ATM or MasterMoney Debit Card (with approval)

• Free unlimited check writing

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

• Available to personal account holders only. 

*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 transactions, one ACH item per month, internet banking, online statements, and a valid email account. 

 

 

Checking With Interest

Requirements

• Minimum Opening Deposit $1000.00 
 
• Minimum Daily Balance Requirement $1000.00
 
• Must be an individual or sole proprietorship to qualify 

Fees

• Monthly Maintenance Fee If Below Minimum $7.50

Features / Benefits

• Earns interest 
 
• Free ATM card or MasterMoney Debit Card (with approval) 
 
• Check images returned with statement (12 per page) 
 
• Free NetTeller Online Banking
 
• Free unlimited check writing
 
• Bounce Protection available for accounts in good standing