Personal Checking Accounts

Standard Checking Features

Alpha Bank & Trust offers a wide variety of checking accounts, one of which is the right account for you! All of our personal checking accounts offer the following features for Free!!

• Free On-line Banking
• Free Visa Check or ATM card
• Free ATM transactions at any Bank ATM - (up to 10 per month)
• Unlimited automated account inquiries through our Banking by Phone Service
• Free automated transfers through our Banking by Phone Service

Free Checking

Our Free Checking account offers you convenience without monthly fees or minimum balance requirements.

• $100 minimum deposit to open
• No minimum balance requirement
• No monthly maintenance fee
• Does not earn interest
• First order of basic checks are free
• Bill Pay may be added for - $5 per month - up to 15 payments are free - $.45 for each additional payment after 15

Interest Checking

Our Interest Checking account affords you all the benefits of our Standard Checking Account Features with the additional benefits shown below and allows you to earn interest on your account balance.

• Free Bill Pay
• Free Basic Checks
• Free Safe Deposit Box - smallest size or 25% discount on larger sizes
• No per check or deposit fees
• Free Visa Travel Cards
• One Free Wire Transfer per month
• Earns Interest on daily collected balances

Interest Checking Pricing Information

• $100 minimum deposit to open
• $1,500 minimum daily balance to avoid monthly maintenance fee
        OR $2,500 in a Savings or Money Market account
        OR $15,000 in a Certificate of Deposit
        OR $15,000 in outstanding loan balances
• Otherwise a monthly maintenance fee of $15 will be charged

Alpha Checking

Our Alpha Checking account gives you all of our Standard Checking Account Features (see above) with the additional benefits shown below, for a low minimum balance or by maintaining other Alpha Bank & Trust accounts.

• Free Bill Pay
• Free Basic Checks
• Free Safe Deposit Box - smallest size or 25% discount on larger sizes
• Does not earn interest
• No per check or deposit fees

Alpha Checking Pricing Information

• $100 minimum deposit to open
• $1,000 minimum daily balance to avoid monthly maintenance fee
        Or $2,000 in a Savings or Money Market account
        Or $10,000 in a Certificate of Deposit
        Or $10,000 in outstanding loan balances
• Otherwise a monthly maintenance fee of $10 will be charged

Alpha Gold Checking

Our Alpha Gold Checking account has no minimum balance requirements for our customers 50 and older and also pays you interest. All of the benefits of our Standard Checking Account Features also apply.

• Free Bill Pay
• Free Basic Checks
• Free Safe Deposit Box - smallest size or 25% discount on larger sizes
• No per check or deposit fees
• Free Visa Travel Card
• One Free Wire Transfer per month
• Free Official Checks - up to 3 per month
• Earns Interest on daily collected balances

Interest Rate Tiers

$0 - $ 999.99
$1,000.00 and Higher

Alpha Gold Checking Pricing information

• $100 minimum deposit to open
• No monthly maintenance fee
• No minimum daily balance requirement