Personal Checking Accounts
Bank of Travelers Rest understands customers should have options to meet their unique checking account needs. By reviewing the Product Comparison Chart below, you can determine the option that best meets your needs. When you find your perfect match, contact us, visit any of our convenient locations, or open an account online.
Visa® Platinum Rewards Card
The Benefits of having a Visa Platinum Rewards Card include:
TWO-COLUMN BULLETS
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FREE Visa® Debit Card
FREE Online Banking with Bill Pay
FREE myBTRmoney with Mobile Deposit 1
FREE Zelle® Person to Person Transfers (P2P)
FREE eStatements with Images
FREE 24-Hour Telephone Banking
FREE Customer Support Center inquiries
FREE ATM Withdrawals2
Sign up for Direct Deposit AND eStatements within the first 90 days of account opening, and we'll put $100 into your account.3
ONE-COLUMN BULLETS
FREE Visa® Debit Card
FREE Online Banking with Bill Pay
FREE myBTRmoney with Mobile Deposit 1
FREE Zelle® Person to Person Transfers (P2P)
FREE eStatements with Images
FREE 24-Hour Telephone Banking
FREE Customer Support Center inquiries
FREE ATM Withdrawals2
Sign up for Direct Deposit AND eStatements within the first 90 days of account opening, and we'll put $100 into your account.3
Product Comparison Chart
|
FEATURES |
Free Checking |
SimpleStart Checking® |
ValuePack Checking |
Prestige Checking |
Premium Checking |
|---|---|---|---|---|---|
|
Minimum Opening Deposit |
$100 |
$100 |
$100 |
$100 |
$100 |
|
Maintenance Fee per Statement Cycle |
N/A |
$15.00 |
$7.50 fee waived When you maintain a $500 minimum daily balance |
$10 fee waived if Primary account owner is age 55 or older (Primary account owner is defined as the customer whose name and social security number are used first when opening an account.) |
$25 fee waived when combined average of Premium Checking and current balance of Certificates of Deposit exceeds $25,000 |
|
Interest Earned |
N/A |
N/A |
Interest earned on balances of $500 or more |
Interest earned on balances of $500 or more |
Interest earned on balances of $500 or more and based on Premium Money Market rate tiers |
|
Free Checks |
N/A |
N/A |
N/A |
Two boxes per year 4 |
Two boxes per year 4 |
|
Check Images |
N/A |
N/A |
Included with statement |
Included with statement |
Included with statement |
|
Safe Deposit Box |
20% discount annually 5 |
20% discount annually 5 |
20% discount annually 5 |
20% discount annually 5 |
Free 6 |
|
Overdraft Privilege 7 |
$500 |
$300 |
$500 |
$500 |
$1,000 |
3rd party messages/data rates may apply. Review your contract with your wireless provider for complete terms and conditions.
Non-Bank of Travelers Rest foreign ATM fees waived. Other banks' fees apply.
Bank of Travelers Rest will deposit $100 into your checking account after the first direct deposit is received AND you have signed up for eStatements BOTH within 90 days of account opening. This account opening incentive is valid once per individual. This account must be in good standing with no negative balance activity within the first 90 days of account opening to receive the account opening incentive. Existing Bank of Travelers Rest checking account customers are not eligible for this offer. This excludes Health Savings accounts.
A special check design style is offered as a free benefit of this account.
Safe Deposit Box annual fee must be drafted from a Bank of Travelers Rest account.
Free 3" x 5" or 5" x 5" safe deposit box. (Larger boxes will be discounted 20% annually when drafted from a Bank of Travelers Rest account.)
A $28.50 Overdraft Fee per Overdraft Privilege item paid applies. Free Checking, ValuePack Checking and Prestige Checking accounts with recurring direct deposit are eligible for $700 Overdraft Privilege.
SimpleStart Checking is a registered trademark of Bank of Travelers Rest | Visa is a registered trademark of Visa International Service Association | Zelle is a registered trademark of Early Warning Services, LLC. Zelle and the Zelle related marks are wholly owned by Early Warning Services, LLC and are used herein under license.
Cash Management Allows You To
Set Up Direct Deposits or Corporate Payments
Payroll Direct Deposit and Corporate Payments, both ACH functions, are features within our Cash Management suite. Through ACH Origination, you can reduce payroll costs while adding convenience for your employees through the use of Payroll Direct Deposit. Better manage accounts payable using Corporate Payments to draft client accounts for amounts owed. This eliminates the need to print payroll checks and invoices while maximizing electronic funds delivery.
Domestic and International Wire Transfers
Wire transfers through Cash Management allow you to wire funds from your business account to any domestic or international bank. By utilizing this feature within Cash Management, you will be able to reduce the cost of having it performed at the bank.
Remote Deposit Capture
Remote Deposit Capture makes it easy for you to connect with Bank of Travelers Rest and make deposits right from your office. With the use of your computer and a check scanner provided by Bank of Travelers Rest, you can digitally transmit checks paid to your business and deposit directly to your account.
Positive Pay
Worried about check fraud? Positive Pay lets you control what checks pay from your account! You can return fraudulent checks before they debit your account, making Positive Pay a powerful way to take control of your business checking account.
User Access Controls
Cash Management lets you set up multiple users each with their own customized access. Each user will only have access to the functions and accounts they need in order to perform their job. We provide a token for each user which further enhances the security of your online accounts.
All the Features of Online Banking
With Cash Management, you still have all the features of Online Banking but with the enhancements to manage your accounts more efficiently. Cash Management even allows you to combine your business accounts which may have multiple tax identification numbers.
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