We offer two personal checking accounts with several add-on services to make managing your finances easier and more convenient.
Our Personal Checking Options
Free Checking
Our free checking really is free! This basic checking account offers you full-service checking with no hidden charges or strings attached.
Benefits
• Full service checking
• Unlimited check writing
• No monthly, per-check, or per-deposit fees
Features
• No direct deposit requirement to get free checking
• No minimum opening balance required
• No minimum balance requirements
• Monthly statement
Add-on Services
• Free VISA® Check Card
(We don’t charge you a fee for using any ATM, but if you use a non-Alaska Pacific
Bank ATM, you may be charged a fee by that ATM provider.)
• Free Online Banking
• Free 24-Hour phone banking
• Free Online Bill Pay
(It’s free as long as you use it to pay five or more bills per month.)
• Free eStatements
Fees
• No monthly, per-check, or per-deposit fees
• There is a fee of $2.00/month if you choose to have imaged checks returned in your monthly account statement. Local sales tax may apply.
Interest Checking
Get full-service checking and earn interest on your checking funds with this account.
Benefits
• Unlimited check writing
• Low minimum balance requirements
• Earn interest based on your daily balance of $1,000 or more
• No per-check or per-deposit fees
• Earn more as your balance grows
Features
• No minimum opening balance required
• No minimum balance requirements
• Monthly statement
Interest Information
• Interest is based on your minimum daily balance and is compounded monthly.
• The interest rate/annual percentage yield is subject to change at any time, without notice.
• Fees could reduce the earnings on your account.
Interest Rate Tiers
| Minimum Daily Balance |
Interest Rate * |
Annual Percentage Yield * |
| $0 to $999.99 |
0.00% |
0.00% |
| $1,000 to $4,999.99 |
0.00% |
0.00% |
| $5,000 or more |
0.10% |
0.10% |
* Rates quoted are effective as of 03/11/10. Posted interest rates and Annual Percentage Yields are subject to change at any time without notice.
Add-on Services
• Free VISA® Check Card
(We don’t charge you a fee for using any ATM, but if you use a non-Alaska Pacific
Bank ATM, you may be charged a fee by that ATM provider.)
• Free Online Banking
• Free 24-Hour phone banking
• Free Online Bill Pay
(It’s free as long as you use it to pay five or more bills per month.)
• Free eStatements
Fees
• No per-check or deposit fees.
• The service fee is $8.00/month, which is waived if you keep a minimum daily balance of $1,000 in your account.
• There is a fee of $2.00/month if you choose to have imaged checks returned in your monthly account statement.
• Local sales tax may apply.
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