Personal Checking Accounts Options from Ives Bank

Get a better understanding of how to use your checking account properly through the Checking Navigator.Choose from multiple checking account options with various features:

Priority Checking: Enjoy a checking account with no minimum balance requirements and no monthly service fees, if no more than 10 checks are posted during the monthly statement cycle.
Priority PLUS Checking: Maintain a monthly direct deposit of $250 or more or maintain a $1,000 average daily balance to avoid monthly service fees.
Priority PLATINUM Checking: This account provides access to the exclusive bonus rates on our CDs. Maintain a $2,500 minimum average daily balance to avoid monthly service fees.
Priority NOW Checking: Earn interest on your deposits to get more value out of this account. Maintain a $5,000 minimum daily balance to avoid monthly service fees.
NOW Checking: Our NOW Checking account pays a competitive interest rate on the full account balance each day the balance is $1,000 or above. Maintain a $1,000 minimum daily balance to avoid monthly service fees.
Student Checking: This account is perfect for local and traveling students. Enjoy $15 of rebated ATM fees per billing cycle and incentives for good grades. Learn more »
Simply Checking: Ives Bank’s Simply Checking has been certified by Bank On for meeting the National Account Standards as a low-cost, low-fee account! Learn more »

For more information click here for account disclosures.

Type of Account	Interest Rate	Annual Percentage Yield	Minimum Balance Required to Open	Minimum Balance to Earn APY
Priority Checking	N/A	N/A	$50.00	N/A
Priority Plus Checking	N/A	N/A	$50.00	N/A
Priority Platinum Checking	N/A	N/A	$50.00	N/A
Now Checking	0.05%	0.05%	$50.00	$1,000
Student Checking	N/A	N/A	$10.00	N/A
Priority Now Checking
$1,000 - $9,999.99	0.05%	0.05%	$50.00	$1,000
$10,000 - $24,999.99	0.05%	0.05%	$50.00	$10,000
$25,000 - $49,999.99	0.10%	0.10%	$50.00	$25,000
$50,000 - And Up	0.10%	0.10%	$50.00	$50,000
Money Market Choice
$.01 - $9,999.99	0.03%	0.03%	$50.00	$.01
$10,000 - $49,999.99	0.05%	0.05%	$50.00	$10,000
$50,000 - $99,999.99	0.05%	0.05%	$50.00	$50,000
$100,000 - $249,999.99	0.10%	0.10%	$50.00	$100,000
$250,000 - $499,999.99	0.15%	0.15%	$50.00	$250,000
$500,000 - And Up	0.15%	0.15%	$50.00	$500,000

Rates Effective as of: December 21, 2024

The Interest rate and Annual percentage yield are variable and may change after the account is opened.
Fees may reduce earnings
Rates are accurate as of the date shown above
Checking Printing Charges – Charges vary depending on the quantity and style ordered.
Click on the link provided to see account disclosures

Features	Simply Checking	Priority Checking	Student Checking	Priority Plus Checking	Priority Platinum Checking	Now Checking	Priority Now Checking
Monthly Service Fee	$5	N/A	N/A	$12	$20	$6	$25
Minimum to Avoid Monthly Service Fee	N/A	N/A	N/A	$1,000	$2,500	$1,000	$5,000
Overdraft Fee/ODP	N/A
VISA Debit Card
Online Banking Bill Pay
Mobile Banking
Telephone Banking
Paper or E-Statements
Allpoint Surcharge-free ATM Network
No Foreign ATM transaction fees			Up to $15*
Unlimited check-writing
Cash Reserve Available
Premium Rates Available on CD’s *
Tiered Interest Rate

* Per billing cycle.
To see a complete list and explanation of fees for each type of account, click here to view the applicable account disclosures.

Enjoy our highest rates on deposit accounts while maintaining the liquidity you need to cover larger expenses, with the added convenience of writing checks.

When you're looking for the ideal deposit account to grow and access your money, our Money Market Choice* account provides the solution. This account can earn our highest rate available on deposit accounts, depending on your account balance. Create an emergency fund to cover unexpected expenses or use this account to diversify your savings by earning interest at a higher rate.

The larger your account balance, the more you earn with this tiered, interest-bearing account

* A monthly service charge of $5.00 will be imposed every monthly statement cycle if the average daily balance falls below $2,500.00 any day of the cycle. The average daily balance is calculated by adding the principal in the account each day to obtain the disclosed annual percentage yield.

For more information click here for account disclosures.

Checking Accounts

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