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  City Bank Interest Checking

City Bank Interest Checking

in Checking Accounts from City Bank · Member fdic

Unaffiliated

City Bank Interest Checking

Unaffiliated

in Checking Accounts from City Bank · Member FDIC

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Highlights
Monthly Fee $12
ATM Fee: Out-of-Network $1.50
Minimum Balance to Avoid Monthly Fee $1,500
APY (Annual Percentage Yield) Starting at 0.01%

City Bank Interest Checking Review

City Bank Interest Checking is offered by City Bank, a credit union founded in 1941 and based in Lubbock, TX. City Bank Interest Checking is available in 2 states across the USA.

Key Takeaways
  • Charges a monthly fee. This account charges a monthly maintenance fee of $12, but the fee is waived if you keep a minimum balance of $1,500.
  • Free bill pay. Pay your bills to practically anyone in the United States through City Bank.
  • Hard credit pull. City Bank may require a hard pull on your credit report to open a checking account.
City Bank Interest Checking Pros & Cons
Pros Cons
  • Access to physical branches.
  • Free debit card and the option to lock/unlock the card if lost or stolen
  • No signup bonus.
  • Does not earn interest.
  • Does not provide access to a nationwide ATM network.
  • Only available in 2 states.
  • Higher than average wire transfer fees.
  • Monthly service charge.
  • Charges a fee on out-of-network ATM transactions.
City Bank Interest Checking FAQ

Are checking accounts from City Bank federally insured?

Yes, your City Bank checking accounts are insured up to $250,000 per person by the Federal Deposit Insurance Corporation (FDIC #25103). The FDIC is an independent agency of the United States government that protects you against the loss of your insured deposits if an FDIC-insured bank or savings association fails. FDIC insurance is backed by the full faith and credit of the United States government.

What APY does City Bank Interest Checking offer?

City Bank Interest Checking offers an APY starting at 0.01% (APY stands for annual percentage yield, rates may change). However, to earn interest you must keep a minimum balance of $1500.

City Bank Interest Checking Rates and Terms
Rates Amount
APY (Annualized Percentage Yield) 0.01%

What are the account minimums for City Bank Interest Checking?

City Bank Interest Checking Account Minimums
Description Amount
Minimum Initial Deposit $
APY Minimum Balance $1,500
Minimum Balance to Avoid Monthly Fee $1,500

What fees does City Bank Interest Checking charge?

This account charges a monthly maintenance fee of $12.

City Bank Interest Checking Fees
Description
Monthly Fee $12
Paper Statement Fee $5
ATM Fee: In-Network $0
ATM Fee: Out-of-Network $1.50
NSF Fee $33
Overdraft Protection Fee (per transfer) $5
Overdraft Item Fee $33
Early Account Closure $15
Returned Deposit Fee (Domestic) $33
Debit Card Replacement Fee N/A
Bank Teller Fee N/A
Check Cashing Fee N/A
Online Bill Pay Fee $0
Stop Payment Fee $33
Check Image Service N/A
Check Copy N/A
Foreign Transaction Fee (Debit Card) N/A
Wire Transfer Fee - Domestic (Outgoing) $20
Wire Transfer Fee - International (Outgoing) $70
Wire Transfer Fee - International (Incoming) $15
Returned Deposit Fee (International) $33
Wire Transfer Fee - Domestic (Incoming) $10
ATM Reimbursement Monthly Limit N/A

What features and perks does City Bank Interest Checking offer?

This account includes the following features:

  • Fraud monitoring - City Bank Interest Checking monitors transactions for potentially fraudulent activity, such as when a debit card is unexpectedly used in a different location or you make a sudden string of costly purchases.
  • Free Bill Pay - Bill Pay allows you to pay bills easily from your account.
  • Mobile Banking Services - City Bank Interest Checking allows you to manage your money online. This includes depositing checks in your account with your smartphone.
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Editorial Disclaimer: Editorial and user-generated content on this page is not provided or commissioned by the issuer. Opinions expressed here are the author’s alone and have not been approved or otherwise endorsed by any financial institution, including those that are advertising partners.

Availability

  Available in 2 states
  • New Mexico
  • Texas

Feature Breakdown

APY Minimum Balance $1,500
Minimum Balance to Avoid Monthly Fee $1,500
ATM Fee: In-Network $0
Online Bill Pay Fee $0
Early Account Closure $15
Monthly Fee $12
NSF Fee $33
Overdraft Item Fee $33
Overdraft Protection Fee (per transfer) $5
Paper Statement Fee $5
Returned Deposit Fee (Domestic) $33
Returned Deposit Fee (International) $33
Stop Payment Fee $33
Wire Transfer Fee - Domestic (Incoming) $10
Wire Transfer Fee - Domestic (Outgoing) $20
Wire Transfer Fee - International (Incoming) $15
Wire Transfer Fee - International (Outgoing) $70
ATM Fee: Out-of-Network $1.50
Bank Account Features
  • FDIC Member
  • Branch Access
  • Debit Card
  • Free Bill Pay
  • Fraud Protection
  • Debit Card Lock/Unlock
  • Fraud Monitoring
  • Mobile Banking
  • Interest Bearing Account
  • Mobile Check Deposit
APY (Annual Percentage Yield) Starting at 0.01%

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SUPERMONEY NET RECOMMENDATION SCORE

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