|Personal Checking Accounts*|
|Gold Checking||Everyday Checking||EZee Checking
(Requires Valid Student ID1)
|Minimum Opening Deposit2||$25||$25||$25|
Maintenance Service Charge
|$17 w. eStatement||$7 w. eStatement|
|Minimum Monthly Average Balance or Activity to Avoid Maintenance Service Charge||$20,000
combined monthly average balances with Personal Savings Accounts
combined monthly average balances with statement savings, MMA OR
|Direct Deposit of at least $200/month OR3|
|Minimum 3 Debit Card purchases/month3|
(Refer to Abacus Deposit Rate Schedule)
|Minimum Balance to Earn Interest||$5,000||N/A||N/A|
|Online Banking &
(incl. Bill Pay and eStatement)
(Paper Statements not available)
See Account Fee Schedule for details if other fees apply.
*All information in this schedule is current as of March 28th, 2017. we reserve the right to change this schedule at any time. for example, we may change our services, fees, charges and balance requirement. If required by law, we will notify you if changes, additions, or deletions of your account, your fees, or your services occur.
1 Valid student identification from an accredited educational institution must be presented to open account. Your account will be converted to a different Abacus checking account after 5 years and you will be subject to the terms and conditions currently in effect for that account; unless you can provide us a valid student ID from an accredited educational institution at such time and so long as you maintain enrollment in an accredited educational institution. We will contact you prior to account conversion and send you complete information about the account which you will be converted to.
2 The monthly Maintenance service charge is waived for the first two statement cycles to allow you to meet your account requirements. After the first two cycles, the monthly maintenance service charge is waived if the requirements are met.
3 Maintenance Service Charge will be reversed in the next month.
4 Your mobile carrier's message and data rates may apply.
5 Subject to non-Activation Fee if card is not activated after 60 days of issuance. See Service Fees Schedule.
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Chairman Thomas Sung’s Message
Abacus Bank will NEVER request through email, text, or unsolicited phone call your bank card number, account number, Social Security number, Personal Identification number (PIN) or password.