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Personal Checking Accounts
  Basic Beyond
Designed for: Account holders who want a basic performing transaction account with no balance requirement. Account holders who want to earn interest, maintain an average daily balance, and receive discounted bank services.
Amount needed to open: $50 $100
Interest bearing: No Yes, currently paying 0.10% APY. Interest is paid only if the account maintains an average daily balance of $1,000 during the statement cycle.
Monthly maintenance fee: No No fee if average daily balance for the statement cycle exceeds $1,000. If not, fee of $5.00 will be charged ($3.00 if use electronic statement).
Check writing and debits: No fee and unlimited. No fee and unlimited.
Overdraft Privilege daily limit: $500 $900
Online/Mobile Bill Pay and Presentment: No fee, unlimited usage. No fee, unlimited usage.
Visa Debit Card: No fee for issuance or usage for debit purchases or at DSB ATMs for withdrawals. No fee for issuance or usage for debit purchases or at DSB ATMs for withdrawals. In addition, if card is used at a non-DSB ATM, DSB will credit back any accumulated $1.00 non-DSB fees on the statement cut date. (The non-DSB ATM owner/operator may still charge your account its own fee at the time of withdrawal, as disclosed on the ATM screen.)
Images of cleared checks and paper deposit tickets: Provided in the statement only if a) account is coded for electronic statement and/or b) account holder(s) is age 60 and over, regardless if statement is mailed or sent electronic. If neither of these, the mailed paper statement contains no images. Individual images for past 24 months are available to any checking account holder using DSBconnect digital banking. Provided in both mailed paper statements and in electronic statements, regardless of age of account holder(s). Individual images from the past 24 months are available to any checking account holder using DSBconnect digital banking.
Monthly statement delivery and fees:

If paper statement is mailed to account holder(s) age 59 and below, the account will be charged $2.00 on the statement cut date. If mailed to account holder(s) age 60 and above, the $2.00 fee is waived.

If electronic statement is delivered to account holder regardless of age, the 2.00 fee is waived.

Either mailed paper statements or electronic statements are delivered free, regardless of age of account holder(s).
FDIC coverage: Regular FDIC coverage applies. Regular FDIC coverage applies.
Other free or discounted services: Online/mobile alerts Beyond checks ordered through the bank's contracted provider company Harland Clarke can be purchased at a 50% discount. Free notary service, free money orders, free photocopies, free annual rental on safe deposit box up to 3 x 10 in size (larger box sizes are half price), online/mobile alerts.
 

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FAQ's about personal checking accounts.

Disclosures: Actions prohibited by Unlawful Internet Gambling Act of 2006.  Funds Availability policy.