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  Trustco Bank Home Town Premier Checking

Trustco Bank Home Town Premier Checking

in Checking Accounts from Trustco Bank · fdic

Unaffiliated

Trustco Bank Home Town Premier Checking

Unaffiliated

in Checking Accounts from Trustco Bank · Member FDIC

Net Recommendation Score -50

SUPERMONEY NET RECOMMENDATION SCORE

This product is mostly not recommended by SuperMoney users with a score of -50, equating to 2 on a 5 point rating scale.

-50

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.

Rating not yet determined  

1 user recommends
0 users are unsure
3 users don't recommend
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Highlights
Community Rating

Rating not yet determined  

Monthly Fee $0 - $5
ATM Fee: Out-of-Network $2.50
Minimum Balance to Avoid Monthly Fee N/A
APY (Annual Percentage Yield) 0.01%

Trustco Bank Home Town Premier Checking Review

Trustco Bank Home Town Premier Checking is offered by Trustco Bank, a bank founded in 1902 and based in Schenectady, NY. Trustco Bank Home Town Premier Checking is available in 5 states across the USA.

Key Takeaways
  • Low APY. The maximum annual percentage yield for this account is only 0.01%.
  • $0 monthly Service Charge available. This account charges a monthly service fee of up to $5.
  • No ATM fees. Trustco Bank Home Town Premier Checking does not charge fees on ATM transactions within its network but there is a fee of up to $2.50 for out-of-network ATM transactions.
Trustco Bank checking account Pros & Cons
Pros Cons
  • Monthly service fee waived (see terms for requirements).
  • Interest-yielding account.
  • Access to physical branches.
  • Free debit card
  • No signup bonus.
  • Only available in 5 states.
  • Higher than average wire transfer fees.
  • Monthly service charge.
  • Charges a higher than average fee on out-of-network ATM transactions.
Trustco Bank checking account FAQ

Are checking accounts from Trustco Bank federally insured?

Yes, your Trustco 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 Trustco Bank checking account offer?

Trustco Bank Home Town Premier Checking Rates & Terms
Description
APY (Annual Percentage Yield) 0.01%

Trustco Bank checking account offers an APY of 0.01% (APY stands for annual percentage yield, rates may change). However, to earn interest account holders must keep an average beginning day balance of $500.

What are the account minimums for Trustco Bank checking account?

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

Trustco Bank Home Town Premier Checking Minimums
Description
APY Minimum Balance $500
Minimum Combined Balance to Avoid Monthly Fee $500
Minimum Opening Deposit Starting at $50

What fees does Trustco Bank checking account charge?

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

Trustco Bank Home Town Premier Checking Fees
Description
ATM Fee: In-Network $0
Debit Card Replacement Fee $0
Early Account Closure $0
Foreign Transaction Fee (Debit Card) 3%
Monthly Fee $0 - $5
NSF Fee $30
Online Bill Pay Fee $0
Overdraft Item Fee $30
Overdraft Protection Fee (per transfer) $0
Paper Statement Fee $0
Returned Deposit Fee (Domestic) $13
Returned Deposit Fee (International) $13
Stop Payment Fee $30
Wire Transfer Fee - Domestic (Incoming) $10
Wire Transfer Fee - Domestic (Outgoing) $30
Wire Transfer Fee - International (Incoming) $10
Wire Transfer Fee - International (Outgoing) $45
ATM Fee: Out-of-Network $2.50

Does Trustco Bank checking account charge overdraft fees?

Yes, Trustco Bank checking account charges a $30 fee for every overdraft.

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 unauthorized 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 Services - Trustco Bank checking account 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.
  • Nationwide ATM network - Conveniently transact at a nearby ATM.

What is the customer support email for Trustco Bank checking account?

The customer support email for Trustco Bank checking account is marketing@trustcobank.com.

How do people rate the customer service and user experience of Trustco Bank checking account?

Overall, Trustco Bank checking account is mostly not recommended based on community reviews that rate customer service and user experience.

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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 Trustco Bank Home Town Premier Checking

As a low cost provider of high quality banking products and services, we stand by our convenient checking options. With free use of over 55,000 ATM’s worldwide and mobile app*, Trustco Bank ensures that you have everything you need to manage your checking account easily and securely.

Trustco Bank has over 110 years of solid banking experience, and we’ve developed our services to fit your needs. Our Home Town Checking options allow you to manage your account online with your desktop or our mobile app and a free debit card** with access to over 55,000 ATMs world. The Flexibility and Features you want. The Convenience and Dependability you need.

Availability

  Available in 5 states
  • Florida
  • Massachusetts
  • New Jersey
  • New York
  • Vermont

Feature Breakdown

APY Minimum Balance $500
Minimum Combined Balance to Avoid Monthly Fee $500
Minimum Opening Deposit Starting at $50
ATM Fee: In-Network $0
Debit Card Replacement Fee $0
Early Account Closure $0
Online Bill Pay Fee $0
Overdraft Protection Fee (per transfer) $0
Paper Statement Fee $0
Foreign Transaction Fee (Debit Card) 3%
Monthly Fee $0 - $5
NSF Fee $30
Overdraft Item Fee $30
Returned Deposit Fee (Domestic) $13
Returned Deposit Fee (International) $13
Stop Payment Fee $30
Wire Transfer Fee - Domestic (Incoming) $10
Wire Transfer Fee - Domestic (Outgoing) $30
Wire Transfer Fee - International (Incoming) $10
Wire Transfer Fee - International (Outgoing) $45
ATM Fee: Out-of-Network $2.50
Account Features
  • No ATM Fees
  • Mobile Check Deposit
  • No Monthly Maintenance Fee
  • Interest Bearing Account
  • Nationwide ATM Network
  • Mobile Banking
  • Fraud Monitoring
  • Fraud Protection
  • Debit Card
  • Branch Access
  • Member FDIC
APY (Annual Percentage Yield) 0.01%

Trustco Bank Home Town Premier Checking Community Reviews

 

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SUPERMONEY NET RECOMMENDATION SCORE

This product is mostly not recommended by SuperMoney users with a score of -50, equating to 2 on a 5 point rating scale.

-50

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.

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