Trustco Bank Home Town Free Checking
in Checking Accounts from Trustco Bank · Member fdic
UnaffiliatedTrustco Bank Home Town Free Checking
in Checking Accounts from Trustco Bank · Member FDIC
Would you recommend Trustco Bank Home Town Free Checking to your friends?
| Community Rating |
Rating not yet determined |
| Monthly Fee | $0 |
| ATM Fee: Out-of-Network | $2.50 |
| Minimum Balance to Avoid Monthly Fee | $0 |
| APY (Annual Percentage Yield) | 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.
- 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 a monthly maintenance fee.
- $50 minimum deposit. This is a typical minimum initial deposit, but there are accounts that require a smaller initial deposit or have no minimum.
- Free bill pay. Pay your bills to practically anyone in the United States through Trustco Bank.
- Hard credit pull. Trustco Bank may require a hard pull on your credit report to open a checking account.
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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 Home Town Free Checking offer?
Trustco Bank Home Town Free Checking is not an interest-bearing account.
What are the account minimums for Trustco Bank Home Town Free Checking?
Trustco Bank Home Town Free Checking requires a minimum initial deposit of $50 to open an account.
| Description | Amount |
|---|---|
| Minimum Initial Deposit | $50 |
What fees does Trustco Bank Home Town Free Checking charge?
The good news is that this account does not have a monthly service charge.
| Description | |
|---|---|
| Monthly Fee | $0 |
| Paper Statement Fee | $5 |
| ATM Fee: In-Network | $0 |
| ATM Fee: Out-of-Network | $2.50 |
| NSF Fee | $36 |
| Overdraft Protection Fee (per transfer) | $0 |
| Overdraft Item Fee | $36 |
| Early Account Closure | $0 |
| Returned Deposit Fee (Domestic) | $20 |
| Debit Card Replacement Fee | $6 |
| Bank Teller Fee | N/A |
| Check Cashing Fee | N/A |
| Online Bill Pay Fee | $0 |
| Stop Payment Fee | $30 |
| Check Image Service | N/A |
| Check Copy | N/A |
| Foreign Transaction Fee (Debit Card) | 0% |
| Wire Transfer Fee - Domestic (Outgoing) | $30 |
| Wire Transfer Fee - International (Outgoing) | $45 |
| Wire Transfer Fee - International (Incoming) | $10 |
| Returned Deposit Fee (International) | $20 |
| Wire Transfer Fee - Domestic (Incoming) | $10 |
| ATM Reimbursement Monthly Limit | N/A |
What features and perks does Trustco Bank Home Town Free 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.
- Free Bill Pay - Bill Pay allows you to pay bills easily from your account.
- Mobile Banking Services - Trustco Bank Home Town Free Checking allows you to manage your money online. This includes depositing checks in your account with your smartphone.
- Nationwide ATM network - Conveniently transact at a nearby ATM.
Contact
- Headquarters
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PO Box 1082
Schenectady, NY 12301 - Visit Site
Other Services by Trustco Bank
Availability
- Florida
- Massachusetts
- New Jersey
- New York
- Vermont
Feature Breakdown
| Minimum Combined Balance to Avoid Monthly Fee | $0 |
| Minimum Direct Deposit to Avoid Monthly Fee | $0 |
| Minimum Initial Deposit | $50 |
| Minimum Balance to Avoid Monthly Fee | $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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