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  Cross Keys Bank Premium Key Interest Checking Account

Cross Keys Bank Premium Key Interest Checking Account

in Checking Accounts from Cross Keys Bank · Member fdic

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Cross Keys Bank Premium Key Interest Checking Account

Unaffiliated

in Checking Accounts from Cross Keys Bank · Member FDIC

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Highlights
Monthly Fee $0 - $10
ATM Fee: Out-of-Network $0
Minimum Balance to Avoid Monthly Fee $1,500
APY (Annual Percentage Yield) 0.05% - 2.05%

Cross Keys Bank Premium Key Interest Checking Account Review

Cross Keys Bank Premium Key Interest Checking Account is offered by Cross Keys Bank, a bank founded in 1902 and based in St. Joseph, LA. Cross Keys Bank Premium Key Interest Checking Account is available in 1 state across the USA.

Key Takeaways
  • Very high APY. This account offers an annual percentage yield of up to 2.05%, which is much higher than the average for a checking account.
  • Charges a monthly fee. This account charges a monthly maintenance fee of up to $10, but the fee is waived if you keep a minimum balance of $1,500.
  • No ATM fees. Cross Keys Bank Premium Key Interest Checking Account does not charge fees on ATM transactions.
  • Free bill pay. Pay your bills to practically anyone in the United States through Cross Keys Bank.
  • Hard credit pull. Cross Keys Bank may require a hard pull on your credit report to open a checking account.
Cross Keys Bank Premium Key Interest Checking Account Pros & Cons
Pros Cons
  • High-interest yield.
  • Free debit card
  • No charge on incoming domestic or international wire transfers.
  • No signup bonus.
  • Only available in one state.
  • Monthly service charge.
Cross Keys Bank Premium Key Interest Checking Account FAQ

Are checking accounts from Cross Keys Bank federally insured?

Yes, your Cross Keys Bank checking accounts are insured up to $250,000 per person by the Federal Deposit Insurance Corporation (FDIC). 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 Cross Keys Bank Premium Key Interest Checking Account offer?

Cross Keys Bank Premium Key Interest Checking Account offers an APY starting at 0.05% and ranging up to 2.05% (APY stands for annual percentage yield, rates may change).

Cross Keys Bank Premium Key Interest Checking Account Rates and Terms
Rates Amount
APY (Annual Percentage Yield) 0.05% - 2.05%

What are the account minimums for Cross Keys Bank Premium Key Interest Checking Account?

Cross Keys Bank Premium Key Interest Checking Account requires a minimum initial deposit of $50 to open an account.

Cross Keys Bank Premium Key Interest Checking Account Account Minimums
Description Amount
Minimum Opening Deposit $50
Minimum Balance to Avoid Monthly Fee $1,500

What fees does Cross Keys Bank Premium Key Interest Checking Account charge?

This account charges a monthly maintenance fee of up to $10.

Cross Keys Bank Premium Key Interest Checking Account Fees
Description
ATM Fee: In-Network $0
Debit Card Replacement Fee $0
Early Account Closure $25
Foreign Transaction Fee (Debit Card) 2%
Monthly Fee $0 - $10
NSF Fee $31
Online Bill Pay Fee $0
Overdraft Item Fee $31
Overdraft Protection Fee (per transfer) $31
Paper Statement Fee $5
Returned Deposit Fee (Domestic) $31
Returned Deposit Fee (International) $31
Stop Payment Fee $31
Wire Transfer Fee - Domestic (Incoming) $0
Wire Transfer Fee - Domestic (Outgoing) $0
Wire Transfer Fee - International (Incoming) $0
Wire Transfer Fee - International (Outgoing) $0
ATM Fee: Out-of-Network $0

What features and perks does Cross Keys Bank Premium Key Interest Checking Account offer?

This account includes the following features:

  • Check images with statement - Reconciling your accounts and complying with document retention standards is easier when you have access to a copy of your checks.
  • Fraud monitoring - Cross Keys Bank Premium Key Interest Checking Account 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 - Cross Keys Bank Premium Key Interest Checking Account allows you to manage your money online. This includes depositing checks in your account with your smartphone.
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Other Services by Cross Keys Bank

Availability

  Available in 1 state
Louisiana
Availabile in all of Louisiana

Feature Breakdown

Minimum Opening Deposit Starting at $50
Minimum Balance to Avoid Monthly Fee $1,500
ATM Fee: In-Network $0
Debit Card Replacement Fee $0
Online Bill Pay Fee $0
Wire Transfer Fee - Domestic (Incoming) $0
Wire Transfer Fee - Domestic (Outgoing) $0
Wire Transfer Fee - International (Incoming) $0
Wire Transfer Fee - International (Outgoing) $0
ATM Fee: Out-of-Network $0
Early Account Closure $25
Foreign Transaction Fee (Debit Card) 2%
Monthly Fee $0 - $10
NSF Fee $31
Overdraft Item Fee $31
Overdraft Protection Fee (per transfer) $31
Paper Statement Fee $5
Returned Deposit Fee (Domestic) $31
Returned Deposit Fee (International) $31
Stop Payment Fee $31
Bank Account Features
  • No ATM Fees
  • Free Bill Pay
  • Mobile Check Deposit
  • Interest Bearing Account
  • Check Images with Statement
  • Mobile Banking
  • Fraud Monitoring
  • Fraud Protection
  • Debit Card
  • Bauer Financial A+/A Rating
  • FDIC Member
APY (Annual Percentage Yield) 0.05% - 2.05%

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