Personal Checking Comparison Chart

You may click on any account type for more information.

                     

Free
Checking

Maximum Yield
(MY) Checking

GenGold

 Elite Plus

  Wealth 101  

Minimum to open

$100

$100

$100

$1,000

$50

Minimum Balance

No

No

No

$1,000 to earn
interest

No

Limitations

No

Requires electronic
statements, NetTeller Online Banking and Blue Ridge Bank Debit Card

No

Age 55 or better

Age 13-17

Unlimited Check Writing

Yes

Yes 

Yes

Yes

Yes

Free Checks

No

No

One box of
bank stock checks.

Two boxes of bank
stock checks or a discount on two boxes of premium
style checks per year.

No, but receive special Wealth 101 checks

Itemized Monthly Statements

Yes

Yes

Yes

Yes

Yes

Bounce Protection

Up to $200** Up to $400** Up to $600** Up to $800** No

Free Online Banking

Yes

Yes - Required

Yes

Yes

Yes

Free Online Bill Pay

Yes

Yes

Yes

Yes

Yes
Free Mobile Banking Yes*** Yes*** Yes*** Yes*** Yes***

Free Debit Card

Yes

 Yes - Required

Yes

Yes

No

Free ATM Card

Yes

Yes

Yes

Yes

With guardian permission

E-Statements Available

Yes

Required

Yes

Yes

Yes

Interest Bearing

No

Premium interest* on balances
up to $25,000 when monthly requirements are met.

Tiered interest* on account
balances over $25,000
or if requirements
are not met.

To meet requirements
an account holder must
receive electronic statements, complete 12 or more debit
or credit point-of-sale purchases, and receive
1 ACH direct deposit or payment per statement cycle. 

No

Variable interest* on balances $1,000 and over

No

Fees

No**

 No**

Try for 90 Days Free!
$5 per month
after trial period**

$10 monthly fee if balance falls below $1,000**

No**

 Other Features

                           Free ATM withdrawals at over 20,000 MoneyPass
network ATMs

 Free Cashier's Checks and Money Orders

$10 off any safe deposit box with auto pay.

Complimentary Identity Theft Protection

Cash Back Rewards

Complimentary Grocery
Coupon Club Membership

Travel Discounts and Rebates

 Discounts on
Health Services
Consumer Services,
 Movie Tickets, Gift Cards and more.

Visit http://www.gengold.com

Free Cashier's Checks and Money Orders
(5 per month)

Complimentary
Financial Review

Quarterly Newsletter

Annual Customer
Appreciate Event
 


*Rate may change weekly; interest credited to the account monthly. The daily collected balance method is used to calculate interest. This method applies a daily periodic rate to the principal in the account each day.

**For current rates and listing of any miscellaneous fees or charges that may apply visit one of our locations, call our Customer Service Center at (816)795-9933 or see our Service Fees.

***Your cell phone or mobile device must be equipped to access the Internet. You may be charged access rates depending on your carrier. Check with your service provider for details on specific fees and charges. All terms and conditions applicable to online banking may apply to mobile banking.