Compare Personal Checking Accounts

Accounts
Basic
Checking
Exceptional Value
Premier
Checking
Enhanced Control
Premier Plus
Checking
Earn the Interest You Deserve
Best for... People who want to keep their banking simple and convenient. Parents and professionals with active lifestyles, with greater transactional needs such as easy access and security. Individuals who keep higher balances in multiple accounts, seeking to maximize the interest they can earn.
Because... Limited transactions mean lower fees. Convenient access to your money via ATM, debit MasterCard, online / mobile banking. Unlimited transactions allowed, including the peace of mind of paper checks; easy access to linked checking and savings accounts, with fee discounts. Linked checking / savings accounts with relationship discounts, benefits, and premium rates.
Transaction Limits 10 transactions per month* Unlimited Unlimited
Features 24-hour Telephone Banking 24-hour Telephone Banking 24-hour Telephone Banking
  Free direct deposit Higher balances earn higher interest rates
Online Banking with Bill Pay Online Banking with Bill Pay Online Banking with Bill Pay
Mobile Banking with Bill Pay and ALMA Mobile App Mobile Banking with Bill Pay ALMA Mobile App Mobile Banking with Bill Pay and ALMA Mobile App
ALMA Debit Mastercard or ATM Card with access to over 55,000 surcharge-free ATMs worldwide. ALMA Debit MasterCard or ATM card with access to over 55,000 surcharge-free ATMs worldwide. ALMA Debit MasterCard or ATM Card with access to over 55,000 surcharge-free ATMs worldwide.
Electronic statements, check images Electronic statements, check images Electronic Statements, check images
  ALMA Platinum VISA Card (no annual fee) ALMA Platinum VISA Card (no annual fee)
Safe deposit box available** Safe deposit box available** Safe deposit box available**
Minimum to Open $10 $100 $1000
Monthly Maintenance n/a $10 $10
Average Daily Balance to Waive Maintenance Fee*** n/a $500 $1000
Link to Savings   Personal Premier Savings available to Premier and Premier Plus checking customers Personal Premier Savings available to Premier and Premier Plus checking customers

*Account holders sixty-five (65) years of age or older are allowed twelve (12) check transactions per month. 

** Safe Deposit Boxes are not available at all ALMA branch locations.

*** The average daily balance is calculated by adding the principal in the account for each day of the period and dividing that figure by the number of days in the period. The period we use is monthly.

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