This disclosure contains the rules that govern your deposit account with us. The words “we”, “our”, and “us” mean the financial institution, and the words “you” and “your” mean the accountholder or anyone with authority to exercise control of this account.
This is a noninterest-bearing checking account for personal use. Available features on this account include Debit card access, Online banking, Online bill payment available for ages 18+, Mobile Banking and Mobile Deposits, ATM Surcharge rebate Max $12 per statement Cycle, E-Statements. Minimum Balance to open account: You must deposit at least $25.00 to open this account. There are no minimum balance requirements to maintain the account after opening. Fees That May Be Imposed on the Account: There is no monthly fee for this account. There are no overdraft fees on this product. Please refer to our Schedule of Fees for information on other fees that may apply. Transaction Limitations: Check writing is not permitted. There are no limitations on the number or dollar amount of withdrawals from or deposits to this account. Must be 18 or older to use online bill pay. Account Qualifications: You must be a student between the ages of 13 and 22. Students aged 13-17 must have a joint owner of a parent or guardian. Students 18-22 may open individual accounts. Student must open the account in the state of Ohio prior to leaving for school and using the account.
*Student Checking Package Features: If you are enrolled in eStatements within 30 days of account opening a $100 bonus will be paid to your account at the end of the statement cycle that the 30-day mark occurred. Statement cycle date is the last business day of the month. Bonus payment will be reported as interest. Account must remain open for a minimum of 180 calendar days, or the amount of the bonus will be deducted from the account at closing. At Age 23: When the student reaches age 23 the Student Checking will automatically convert to Simply Checking. See Consumer Account Booklet for more information on Simply Checking.
