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CHECKING
At Avidia Bank, we offer a variety of checking accounts, each designed to meet the needs of a particular type of customer.
To reorder checks online, click here.
The Most Account* is like a supercharged money market account, but it's actually a checking account, with a host of other benefits rolled in. The Most is a tiered-rate account that pays the highest qualifying rate on your entire balance (so you'll earn more than on "blended rate" accounts). Just open a MOST account and keep at least $7,500 in the account, and you'll get unrestricted checking, and a bunch of benefits that earn you more and cost you less:
- High, tiered interest rates
- Bonus interest rates on Certificates of Deposit
- Discounted rates on consumer loans
- No closing costs on Home Equity lines of credit
- Free ATM usage anywhere, anytime**
- Free Internet banking with Bill Express online bill payment
- Free bank checks
- No monthly maintenance fees with minimum balance
- No monthly maintenance fees for first 60 days regardless of balance
*Minimum balance of $7,500 is required to avoid monthly maintenance fee of $10. Direct deposit is required. Fees may reduce earnings.
**Other banks may assess a surcharge to use their ATMs.
Smart Checking is the easy-to-use, easy-to-understand account that is free of transaction and service fees. All it takes to open your Smart Checking Account is $100. Smart Checking features:
- No minimum balance
- No per check charges
- No monthly service charges
- Unlimited check writing
- FREE first set of checks
- Unlimited free ATM/VISA Check Card transactions**
You can use your Avidia ATM card or Visa Check Card without charge at any Avidia ATM, and at any ATM that is part of the SUM network. Avidia charges a $1.50 fee when you use an ATM that is not part of the SUM Network. Banks that are not part of the SUM network may charge you a fee for using their ATM.
Existing Smart Checking customers: To download a printable form that lets you apply for a Visa Check Card to access your Smart Checking account, click here. (This form requires that you have Adobe Acrobat Reader, which you can download free by clicking here.)
Value NOW is our basic interest bearing checking account. You get unlimited check writing privileges, and the monthly maintenance fee of $5.00 is waived if you maintain an average monthly balance of $750. A minimum deposit of $750 is required to open this account. Interest is earned on balances of $.01 and higher.
Super NOW offers higher interest to those who wish to maintain higher balances. You earn a "Super" interest rate on all balances above $2,000 in a Super NOW Account. (If your balance falls below $2,000, the interest rate reverts to the Value NOW Account rate and a monthly maintenance fee of $5.00 is assessed.)
Senior Checking If you are 65 years of age or older, you can take advantage of our Senior Checking Account. Senior Checking pays you interest, and there are no minimum balance requirements or monthly maintenance fees. Interest is earned on balances of $.01 and higher. Personalized checks (wallet style) are available at no charge. A minimum deposit of $350 is required to open this account, and you must fill out a special registration card to be eligible for Senior Checking. To learn about other products for seniors, click here.
Visa Check Card Application Form Want to add a Visa Check Card to your existing checking account? Click here to download an application form. (This form requires that you have Adobe Acrobat Reader, which you can download free by clicking here.)
Important information about procedures for opening a new account
To help the government fight the funding of terrorism and money laundering activities, Federal law requires all financial institutions to obtain, verify, and record information that identifies each person who opens an account.
What this means to you: When you open an account, we will ask for your name, address, date of birth, and other information that will allow us to identify you. We may also ask to see your driver's license or other identifying documents.
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