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  Trustco Bank Home Town Premier Checking Account

Trustco Bank Home Town Premier Checking Account

in Checking Accounts from Trustco Bank

Unaffiliated

Trustco Bank Home Town Premier Checking Account

Unaffiliated

in Checking Accounts from Trustco Bank

SuperMoney Net Recommendation Score -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.

Mostly not recommended

1 user recommends
0 users are unsure
3 users don't recommend
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Would you recommend Trustco Bank Home Town Premier Checking Account to your friends?

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Highlights
Highlights
Community Rating Mostly not recommended
Monthly Fee $0 - $5
Minimum Balance to Avoid Monthly Fee N/A
ATM Fee: Out-of-Network $2.50
APY 0.05%

Trustco Bank Home Town Premier Checking Account Review

Where is Trustco Bank Home Town Premier Checking Account available?

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

Is Trustco Bank Home Town Premier Checking Account insured by the FDIC

Deposits in Trustco Bank Home Town Premier Checking Account are insured by 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.

What APY does Trustco Bank offer?

Trustco Bank Home Town Premier Checking Account Rates and Terms
Rates Amount
APY 0.05%

Trustco Bank Home Town Premier 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 are the account minimums for Trustco Bank Home Town Premier Checking Account?

Trustco Bank Home Town Premier Checking Account requires a minimum initial deposit of $50 to open an account.
Trustco Bank Home Town Premier Checking Account Account Minimums
Description Amount
Minimum Initial Deposit $50
APY Minimum Balance $500
Minimum Combined Balance to Avoid Monthly Fee $500

What fees does Trustco Bank Home Town Premier Checking Account charge?

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

Trustco Bank Home Town Premier Checking Account Fees
Fees Amount
ATM Out-Of-Network Fee $2.50
Non-Sufficient Funds $30
Overdraft Item Fee $30
Returned Deposit Fee (International) $13
Outgoing Domestic Bank Transfer Fee $30
Incoming Domestic Bank Transfer Fee $10
Outgoing International Bank Transfer Fee $45
Incoming International Bank Transfer Fee $10

What features and perks does Trustco Bank Home Town Premier Checking Account offer?

This account includes the following features:

  • Fraud monitoring - Trustco Bank Home Town Premier 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 Services - Trustco Bank Home Town Premier Checking Account allows you to manage your money online. This includes depositing checks in your account with your smartphone.
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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
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
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
APY 0.05%

Trustco Bank Home Town Premier Checking Account Community Reviews

 
 

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1
1 total votes
Monthly Fee $0 Monthly Fee
Minimum Balance to Avoid Monthly Fee $0 Minimum Balance to Avoid Monthly Fee
ATM Fee: Out-of-Network $2.50 ATM Fee: Out-of-Network
APY 0% APY