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  City Bank Simple Checking

City Bank Simple Checking

in Checking Accounts from City Bank · fdic

Unaffiliated

City Bank Simple Checking

Unaffiliated

in Checking Accounts from City Bank · Member FDIC

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Highlights
Monthly Fee $0 - $5
ATM Fee: Out-of-Network $1.50
Minimum Balance to Avoid Monthly Fee N/A
APY (Annual Percentage Yield) 0%

City Bank Simple Checking Review

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

Key Takeaways
  • 0% APY. As with most checking accounts, City Bank Simple Checking does not pay interest.
  • $0 monthly Service Charge available. This account charges a monthly service fee of up to $5.
  • Bill pay. Pay your bills to practically anyone in the United States through City Bank.
City Bank Simple Checking Pros & Cons
Pros Cons
  • Monthly service fee waived (see terms for requirements).
  • 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 Simple 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 Simple Checking offer?

City Bank Simple Checking is not an interest-bearing account.

What are the account minimums for City Bank Simple Checking?

City Bank Simple Checking requires a minimum initial deposit of $50 to open an account.

City Bank Simple Checking Minimums
Description
Minimum Opening Deposit Starting at $50

What fees does City Bank Simple Checking charge?

The good news is that this account does not have a monthly Service Charge.

City Bank Simple Checking Fees
Description
ATM Fee: In-Network $0
Early Account Closure $15
Monthly Fee $0 - $5
NSF Fee $33
Online Bill Pay Fee $0
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

Does City Bank Simple Checking charge overdraft fees?

Yes, City Bank Simple Checking charges a $33 fee for every overdraft.

City Bank Simple Checking offers overdraft protection at a cost of $5 per transaction.

What features and perks does City Bank Simple Checking offer?

This account includes the following features:

  • Fraud monitoring - City Bank Simple Checking monitors transactions for potentially unauthorized activity, such as when a debit card is unexpectedly used in a different location or you make a sudden string of costly purchases.
  • Online Bill Pay - Online Bill Pay allows you to pay bills easily from your account.
  • Mobile Banking Services - City Bank Simple Checking allows you to manage your money online or with a mobile app. This includes depositing checks in your account with a mobile app on your smartphone.

What is the customer support email for City Bank Simple Checking?

The customer support email for City Bank Simple Checking is support@citybanktexas.com.

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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.

Message From City Bank Simple Checking

When we say "simple," we mean it. If all you want is a simple checking account with no strings attached, look no further than City Bank. It takes only a minimum deposit of $50 to open the account. After your account is open, there is no required minimum balance and there is no monthly fee. Plus your account comes with many more exciting features, such as a free City Bank MasterCard® debit card, free checks, free online banking, free e-statements, free bill pay, and more. Make your banking better with Simple Checking from City Bank. To sign up, contact a City Bank representative by calling us.

Availability

  Available in 2 states
  • New Mexico
  • Texas

Feature Breakdown

Minimum Opening Deposit Starting at $50
ATM Fee: In-Network $0
Online Bill Pay Fee $0
Early Account Closure $15
Monthly Fee $0 - $5
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
Account Features
  • Member FDIC
  • Check Writing
  • Branch Access
  • Debit Card
  • Free Bill Pay
  • Fraud Protection
  • Debit Card Lock/Unlock
  • Fraud Monitoring
  • Mobile Banking
  • No Monthly Maintenance Fee
  • Mobile Check Deposit

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