Trustco Bank Home Town Free Checking
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| Community Rating |
Rating not yet determined |
| Cashback Rewards | N/A |
| APY (Annual Percentage Yield) | 0% |
| Monthly Fee | $0 |
| Minimum Balance to Avoid Monthly Fee | Starting at $0 |
Trustco Bank Home Town Free Checking Review
Trustco Bank Home Town Free Checking is offered by Trustco Bank, a bank founded in 1902 and based in Schenectady, NY. Trustco Bank Home Town Free Checking is available in 5 states across the USA.
Key Takeaways
- Bonus offer. Open a new account and you can get
- 0% APY. As with most checking accounts, Trustco Bank Home Town Free Checking does not pay interest.
- $0 monthly fee. This account does not charge any monthly account fees.
- Bill pay. Pay your bills to practically anyone in the United States through Trustco Bank.
Trustco Bank checking account Pros & Cons
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Trustco Bank checking account FAQ
Are checking accounts from Trustco Bank federally insured?
Yes, your deposits 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 checking account is not an interest-bearing account.
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.
| Description | |
|---|---|
| Minimum Opening Deposit | Starting at $50 |
| Minimum Balance to Avoid Monthly Fee | Starting at $0 |
| Minimum Combined Balance to Avoid Monthly Fee | $0 |
| Minimum Direct Deposit to Avoid Monthly Fee | Starting at $0 |
What fees does Trustco Bank checking account charge?
The good news is that this account does not have a monthly Service Charge.
| Description | |
|---|---|
| Monthly Fee | $0 |
| ATM Fee: In-Network | $0 |
| ATM Fee: Out-of-Network | Starting at $2.50 |
| Foreign Transaction Fee (Debit Card) | 0% |
| NSF Fee | $36 |
| Overdraft Item Fee | $36 |
| Overdraft Protection Fee (per transfer) | $0 |
| Returned Deposit Fee (Domestic) | $20 |
| Returned Deposit Fee (International) | $20 |
| 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 |
| Paper Statement Fee | $5 |
| Online Bill Pay Fee | $0 |
| Debit Card Replacement Fee | $6 |
| Early Account Closure | $0 |
Does Trustco Bank checking account charge overdraft fees?
Yes, Trustco Bank checking account charges a $36 fee for every overdraft.What features and perks does Trustco Bank 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 - 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.
- Online Bill Pay - Online Bill Pay allows you to pay bills easily from your account.
- 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 strongly not recommended based on community reviews that rate customer service and user experience.
Contact
- Headquarters
-
PO Box 1082
Schenectady, NY 12301 USA - (800) 670-3110
- Visit Site
- Email Support
Other Services by Trustco Bank
Availability
- Florida
- Massachusetts
- New Jersey
- New York
- Vermont
Feature Breakdown
| Minimum Opening Deposit | Starting at $50 |
| Minimum Balance to Avoid Monthly Fee | Starting at $0 |
| Minimum Combined Balance to Avoid Monthly Fee | $0 |
| Minimum Direct Deposit to Avoid Monthly Fee | Starting at $0 |
Trustco Bank Home Town Free Checking Community Reviews
Would you recommend Trustco Bank Home Town Free Checking to your friends?
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