Checking options comparison chart

To help you select the right checking account to fit your current needs, the following chart provides a side-by-side comparison of the features offered by each of our account options.

	icon-osb-free-checking O2 CHECKING¹	icon-osb-free-checking STUDENT BANKING	icon-osb-convienence-plus Convenience Plus Checking	icon-osb-premier-plus Premier Plus Checking	icon-osb-primtetime-checking Prime Time Checking
Account qualifications, minimum balances, monthly fees	No minimum balance or fees.	No minimum balance or fees. Minors age 13-17 years old at account opening with an existing O2 customer as a co-owner. Existing customer defined as having a current banking relationship for at least 6 months and in good standing (not overdrawn). Acceptable adult/co-owner must be an adult over the age of 18.	A $5.95 service charge will be imposed each month unless this account maintains an average daily balance of $1,000 during the statement cycle, or the primary owner on this account maintains a total average deposit balance of $5,000 or more in your combined deposit and time accounts with us during the statement cycle, or you have a Direct Deposit to this account during the statement cycle. For accounts with a primary owner who is 65+ in age, this account service charge will be waived.	A $17 service charge will be imposed each month unless this account maintains an average daily balance of $5,000 during the statement cycle, or the primary owner on this account maintains a total average deposit balance of $20,000 or more in your combined deposit and time accounts during the statement cycle. For accounts with a primary owner who is 65+ in age, this account service charge will be waived.	55 years + with $10,000 min in combined O2 Bank or Wealth Management accounts. No monthly fees.
Minimum opening deposit	$50	$10	$50	$5,000	$50
Interest/Minimum to Obtain Click to see today's rates	N/A	N/A	N/A	Earns interest on balances over $5,000. Rate tiers: $5,000-9,999.99 $10,000-24,999.99 $25,000-49,999.99 $50,000+	Earns interest on balances over $500.
Perks & Benefits	N/A	Contactless Debit Card	3 free non-O2 ATM withdrawal per month	No charge for ATM balance inquiry. Free non-O2 ATM withdrawal.	Free member checks. Many other FREE benefits--ask banker or learn more here
Statements	$3.95/month fee for paper statements. Paper statement fee waived if primary account holder is 65 or better.	$3.95/month for paper statements fee waived.	$3.95/month fee for paper statements. Paper statement fee waived if primary account holder is 65 or better.	Free eStatements or paper with check images.	Free eStatements or paper with check images.
ATM Withdrawals at non-O2 or non-Allpoint® ATMs²	$2.50 per withdrawal	$2.50 per withdrawal	3 free withdrawal (calendar month), then $2.50 per withdrawal.	FREE	3 free withdrawal (calendar month), then $2.50 per withdrawal.
Allpoint® Network ATM withdrawals²	FREE Third party surcharge free withdrawals at 1,000s of Allpoint® network ATMs. For locations, visit allpointnetwork.com or download the free Allpoint® app for your iPhone® or Android™.
Transaction Limits	Unlimited	Debit card access limit: $300 daily for point of sale/debit and cash withdrawal.	Unlimited	Unlimited	Unlimited
Electronic Services	FREE Online Banking with Email Alerts, FREE Online BillPay, FREE Mobile Banking and Text Banking, FREE eStatements with check images, FREE personal Online Financial Management, Deposit Scan, Mobile Deposit

¹For additional disclosure information, contact our Personal Bankers. Check printing fee depends on style of check ordered.
²Surcharges from the operator of the machine and/or by an automated transfer network may apply.

Information herein is subject to change without notice. See a Personal Banker for updated disclosures.
iPhone is a registered trademark of Apple, Inc.; Android™ is a trademark of Google LLC. Allpoint® is a registered trademark of Cardtronics plc and its subsidiaries.