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Trustco Bank Checking Account

in Checking Accounts

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Trustco Bank Checking Account

Unaffiliated

in Checking Accounts

SuperMoney Net Recommendation Score -100% Recommendation score measures the loyalty between a provider and a consumer. It's at +100% if everybody recommends the provider and at -100% when no one recommends.

Strongly not recommended

0 users recommend
0 users are unsure
3 users don't recommend
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Overview

Where does Trustco Bank Checking Account do business?

Trustco Bank Checking Account is based in Schenectady, NY. It was founded in 1902 and offers checking accounts services in 5 states across the USA.

Trustco Bank Checking Account is a member of the Federal Deposit Insurance Corporation (FDIC). The FDIC insures deposits in checking accounts, savings accounts, certificates of deposit (CDs), and money market accounts up to $250,000 per depositor if a member institution fails.

What APY does Trustco Bank offer?

Trustco Bank Checking Account offers an APY of 0.05% (APY stands for annual percentage yield, rates may change). However, to earn interest you must keep a minimum balance of $500.

What features and perks does Trustco Bank Checking Account offer?

This account includes the following features:

  • Fraud monitoring - Trustco Bank 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.
  • Mobile Banking - Trustco Bank Checking Account allows you to manage your money on the go without ever having to step in a brick-and-mortar bank. This includes depositing checks in your account with your smartphone.

What fees does Trustco Bank Checking Account charge?

The good news is that this account does not charge a monthly maintenance fee.

  • Outgoing domestic bank transfers come with a $30 fee.
  • Incoming domestic bank transfers come with a $10 fee.
  • Outoing international bank transfers come with a $45 fee. You can save a ton of money in fees if you use use a nonbank money transfer service.
  • Incoming international bank transfers come with a $10 fee.
  • Every returned deposit incurs in a $0 charge.
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Availability

Alaska Alabama Arkansas Arizona California Colorado Connecticut Washington, D.C. Delaware Florida Georgia Hawaii Iowa Idaho Illinois Indiana Kansas Kentucky Louisiana Massachusetts Maryland Maine Michigan Minnesota Missouri Mississippi Montana North Carolina North Dakota Nebraska New Hampshire New Jersey New Mexico Nevada New York Ohio Oklahoma Oregon Pennsylvania Rhode Island South Carolina South Dakota Tennessee Texas Utah Virginia Vermont Washington Wisconsin West Virginia Wyoming
  Available in 5 states
  • Florida
  • Massachusetts
  • New Jersey
  • New York
  • Vermont

Feature Breakdown

APY Minimum Balance
$500
Minimum Initial Deposit
$50
Minimum Combined Balance to Avoid Monthly Fee
$500
No Fees
Paper Statement Fee
$0
ATM Fee: In-Network
$0
Overdraft Protection Fee (per transfer)
$0
Early Account Closure
$0
Debit Card Replacement Fee
$0
Online Bill Pay Fee
$0
List of Fees
Monthly Fee
$0 - $5
ATM Fee: Out-of-Network
$2.50
NSF Fee
$30
Overdraft Item Fee
$30
Returned Deposit Fee (Domestic)
$13
Stop Payment Fee
$30
Foreign Transaction Fee (Debit Card)
3%
Wire Transfer Fee - Domestic (Outgoing)
$30
Wire Transfer Fee - International (Outgoing)
$45
Wire Transfer Fee - International (Incoming)
$10
Returned Deposit Fee (International)
$13
Wire Transfer Fee - Domestic (Incoming)
$10
Bank Account Features
  • Debit Card
  • Fraud Monitoring
  • Interest Bearing Account
  • IRAs
  • Mobile Banking
  • Mobile Check Deposit
  • No ATM Fees
  • No Monthly Maintenance Fee
Percentage
APY
0.05%
  0% 5%

Reviews

 
 

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