Checking Solutions

Everyone needs a good checking account - one that fits their finances as well as their lifestyle. That's why we offer several unique checking solutions. First, think about how you use your checking account. For example, do you keep a low or high balance? Write a lot of checks? Prefer to have your check images returned? Enjoy earning interest? Then, choose the St. Johns Bank checking account that best suits your needs.

Account Name Learn More Minimum Opening Deposit Minimum Balance to Avoid Service Charge Monthly Service Charge Interest Bearing
Free Checking More » $100 $0 $0 No

Minimum Opening Deposit: $100

With Free Checking, you'll enjoy a basic checking account with no monthly fees.

  • Unlimited check writing
  • FREE 24-hour TeleConnect telephone banking
  • FREE NetConnect online banking
  • FREE NetConnect online bill pay (up to 20 per month)
  • FREE Visa check card or ATM card
  • Unlimited no-charge St. Johns Bank ATM transactions
  • FREE initial supply of duplicate checks (20)
  • FREE notary service
  • Safe Deposit Boxes available
  • Automatic transfer to savings available
  • No imaged checks with statement
  • Overdraft Privilege limit of $400
  • Overdraft Protection available
Traditional Checking More » $100 $500 $6 No

Minimum Opening Deposit: $100

Traditional Checking gives you all the benefits of Free Checking, plus the the added convenience of seeing your check images on your monthly statement.

  • Unlimited check writing
  • FREE 24-hour TeleConnect telephone banking
  • FREE NetConnect online banking
  • FREE NetConnect online bill pay (up to 20 per month)
  • FREE Visa check card or ATM card
  • Unlimited no-charge St. Johns Bank ATM transactions
  • FREE initial supply of duplicate checks (20)
  • FREE notary service
  • Safe Deposit Boxes available
  • Automatic transfer to savings available
  • Imaged checks with statement
  • Overdraft Privilege limit of $400
  • Overdraft Protection available
Interest Checking More » $100 $1,000 $10 Yes

Minimum Opening Deposit: $100

Your money can be working for you all the time when deposited into an interest-bearing Interest Checking account.

  • Unlimited check writing
  • FREE 24-hour TeleConnect telephone banking
  • FREE NetConnect online banking
  • FREE NetConnect online bill pay (up to 20 per month)
  • FREE Visa check card or ATM card
  • Unlimited no-charge St. Johns Bank ATM transactions
  • FREE initial supply of duplicate checks (20)
  • FREE notary service
  • Safe Deposit Boxes available
  • Automatic transfer to savings available
  • Imaged checks with statement
  • Pays a tiered interest rate on the collected balance
  • Overdraft Privilege limit of $700
  • Overdraft Protection available
  • Check Interest Checking Rates
Preferred Checking More » $100 $5,000 in combined balances OR a $10,000 Home Equity Line of Credit $15 Yes

Minimum Opening Deposit: $100

For the person who wants it all! With Preferred Checking, you'll earn interest plus enjoy all sorts of premium features and perks.

  • Unlimited check writing
  • FREE 24-hour TeleConnect telephone banking
  • FREE NetConnect online banking
  • FREE NetConnect online bill pay (up to 20 per month)
  • FREE Visa check card or ATM card
  • Unlimited no-charge St. Johns Bank ATM transactions
  • FREE "Preferred" checks OR a 50% discount on other check styles
  • FREE notary service
  • 1/2% discount on vehicle loan with automatic debit
  • 50% discount on Safe Deposit Boxes (excluding vaults)
  • No-fee cashier's checks and money orders
  • No closing costs on Home Equity Line of Credit
  • Automatic transfer to savings available
  • Imaged checks with statement
  • Pays a tiered interest rate on the collected balance
  • Overdraft Privilege limit of $700
  • Overdraft Protection available
  • Check Preferred Checking Rates
Fresh Start Checking More » $100 $0 $10 with Direct Deposit, $12 without Direct Deposit No

Minimum Opening Deposit: $100

Our Fresh Start Checking account is designed to help you establish or re-establish a successful banking relationship.

  • Unlimited check writing
  • FREE 24-hour TeleConnect telephone banking
  • FREE NetConnect online banking
  • FREE NetConnect online bill pay (up to 20 per month)
  • FREE Visa check card
  • FREE initial supply of duplicate checks (20)
  • FREE notary service
  • Safe Deposit Boxes available
  • Automatic transfer to savings available
  • Direct Deposit must be established at the time of account opening
  • After account has been in good standing for 18 months, it becomes eligible for conversion to a regular St. Johns Bank checking account
  • All unpaid balances at other financial institutions must be satisfied before Fresh Start account can be opened 
Electronic Transfer Account More » $0 $0 $3 No

Minimum Opening Deposit: $0

An Electronic Transfer Account (ETA) means you can enjoy the safety, security and convenience of receiving your government benefit payments automatically, even if you don't have a checking or savings account now.

  • ETAs are available to anyone who receives Social Security, Supplemental Security Income (SSI), Veterans Benefits, Railroad Retirement, Civil Service Salary, or Military Retirement
  • No additional deposits are allowed
  • Unlimited withdrawals are allowed by ATM or point-of-sale only
  • There is a $1.00 charge for each ATM withdrawal at machines not owned by St. Johns Bank
  • FREE 24-hour TeleConnect telephone banking
  • FREE NetConnect online banking
  • FREE ATM card
  • FREE notary service
  • Safe Deposit Boxes available

 

 

 

 

Visit the FDIC's Electronic Deposit Insurance Estimator