How can I help you today?, Good morning! I'd like to open a checking account, please., Yes, I do. Is there a monthly fee for this checking account?, No. There isn't a monthly fee as long as you receive at least one direct deposit every month. Otherwise, the fee is $10 per month., Is there a minimum balance requirement?, No, there isn't. You can keep any amount of money in your account without paying a penalty., Will I get a debit card?, Yes. You'll receive a debit card in the mail within 7 to 10 business days., Can I use any ATM?, Yes, but if you use an out-of-network ATM, you may have to pay a fee., Does the account include online and mobile banking?, Absolutely! You can check your balance, transfer money, pay bills, deposit checks by taking a picture with your phone, and receive account alerts., What happens if I spend more money than I have?, That's called an overdraft. Depending on your overdraft settings, we may cover the payment and charge you an overdraft fee, or we may decline the transaction., Is my money insured?, Yes. Our bank is FDIC insured. That means your money is protected up to the legal limit if something happens to the bank.

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