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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 · 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 Starting at $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 service 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.
  • Bill pay. Pay your bills to practically anyone in the United States through Cross Keys Bank.
CKB checking Pros & Cons
Pros Cons
  • High-interest yield.
  • Free debit card
  • No charge on incoming domestic or international wire transfers.
  • No signup bonus.
  • Does not provide access to a nationwide ATM network.
  • Only available in one state.
  • Monthly service charge.
CKB checking 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 CKB checking offer?

CKB checking offers an APY starting at 0.05% and ranging up to 2.05% (APY stands for annual percentage yield, rates may change).

CKB checking Rates and Terms
Rates Amount
APY (Annual Percentage Yield) 0.05% - 2.05%

What are the account minimums for CKB checking?

CKB checking requires a minimum initial deposit of $50 to open an account.

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

What fees does CKB checking charge?

This account charges a monthly service 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

Does CKB checking charge overdraft fees?

Yes, CKB checking charges a $31 fee for every overdraft.

CKB checking offers overdraft protection at a cost of $31 per transaction.

What features and perks does CKB checking 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 - CKB 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 - CKB 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 CKB checking?

The customer support email for CKB checking is babs@ckbonline.com.

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Message From Cross Keys Bank Premium Key Interest Checking Account

Every new personal checking account includes: FREE Debit Card with SecurLOCK™ Equip, FREE Online Banking, FREE Bill Pay, FREE Mobile Banking with Mobile Deposits and Key Pay (P2P), FREE eStatements with online check images, Up to three non-Cross Keys Bank ATM refunds per statement cycle, Buy Back of your unused checks and debit cards from another institution. 

Premium Key Interest Checking! An account for those interested in higher interest! 

Contact

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 Starting at $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
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
  • Member FDIC
APY (Annual Percentage Yield) 0.05% - 2.05%

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