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  Trustco Bank Home Town Free Checking

Trustco Bank Home Town Free Checking

in Checking Accounts from Trustco Bank · fdic

Unaffiliated

Trustco Bank Home Town Free Checking

Unaffiliated

in Checking Accounts from Trustco Bank · Member FDIC

Net Recommendation Score -100

SUPERMONEY NET RECOMMENDATION SCORE

This product is strongly not recommended by SuperMoney users with a score of -100, equating to 1 on a 5 point rating scale.

-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.

Rating not yet determined  

0 users recommend
0 users are unsure
2 users don't recommend
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Highlights
Community Rating

Rating not yet determined  

Monthly Fee $0
ATM Fee: Out-of-Network $2.50
Minimum Balance to Avoid Monthly Fee Starting at $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.

Key Takeaways
  • 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 Service Charge.
  • Bill pay. Pay your bills to practically anyone in the United States through Trustco Bank.
Trustco Bank checking account Pros & Cons
Pros Cons
  • Access to physical branches.
  • Free debit card
  • Access to a nationwide network of ATMs.
  • Does not earn interest
  • Only available in 5 states.
  • Higher than average wire transfer fees.
  • 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 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.

Trustco Bank Home Town Free Checking Minimums
Description
Minimum Combined Balance to Avoid Monthly Fee $0
Minimum Direct Deposit to Avoid Monthly Fee $0
Minimum Opening Deposit Starting at $50
Minimum Balance 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.

Trustco Bank Home Town Free Checking Fees
Description
ATM Fee: In-Network $0
Debit Card Replacement Fee $6
Early Account Closure $0
Foreign Transaction Fee (Debit Card) 0%
Monthly Fee $0
NSF Fee $36
Online Bill Pay Fee $0
Overdraft Item Fee $36
Overdraft Protection Fee (per transfer) $0
Paper Statement Fee $5
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
ATM Fee: Out-of-Network $2.50

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.

SuperMoney Disclosure: SuperMoney.com is an independent, advertising-supported service. The owner of this website may be compensated in exchange for featured placement of certain sponsored products and services, or your clicking on links posted on this website. Read more...
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.

Availability

  Available in 5 states
  • 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 Opening Deposit Starting at $50
Minimum Balance to Avoid Monthly Fee Starting at $0
ATM Fee: In-Network $0
Early Account Closure $0
Foreign Transaction Fee (Debit Card) 0%
Monthly Fee $0
Online Bill Pay Fee $0
Overdraft Protection Fee (per transfer) $0
Debit Card Replacement Fee $6
NSF Fee $36
Overdraft Item Fee $36
Paper Statement Fee $5
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
ATM Fee: Out-of-Network $2.50
Account Features
  • Free Bill Pay
  • Mobile Check Deposit
  • No Monthly Maintenance Fee
  • Nationwide ATM Network
  • Check Images with Statement
  • Mobile Banking
  • Fraud Monitoring
  • Fraud Protection
  • Debit Card
  • Branch Access
  • Member FDIC

Trustco Bank Home Town Free Checking Community Reviews

 

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SUPERMONEY NET RECOMMENDATION SCORE

This product is strongly not recommended by SuperMoney users with a score of -100, equating to 1 on a 5 point rating scale.

-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.

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