Plus Checking

An account that rewards you for working hard. Earn competitive interest on a tiered scale, save with ATM fee refunds, and more ... now that’s a plus.

When required account transaction activities⁷ are accomplished, premium interest is earned on the first $25,000, and a lower tier of interest is earned on balances above $25,000⁸. Additionally, when the required transaction activities⁷ are accomplished the $8 monthly maintenance fee¹ is waived and you are eligible for refunds on ATM fees nationwide^{5, 6}.

To earn the higher rates of interest, ATM refunds, and waive the $8 monthly maintenance fee the following banking activities must be accomplished during a qualification cycle³:

• At least 12 Qualifying Point of Sale (POS) Transactions⁴ AND
• At least 1 Automated Clearing House (ACH) electronic credit or debit must post and clear per qualification cycle³. (Example: Direct Deposit or Electronic Bill Payment)

View the 2012 Qualification and Statement Cycles

If these activities are not accomplished during a qualification cycle³ a base rate of interest will be paid on the account balance and an $8 monthly maintenance fee¹ will apply.

To be eligible⁹ for this account you must have a valid email address and receive your statements electronically each month using a Tri Counties Bank Online Banking venue. If we are unable to successfully deliver your statement notification by email, the account may convert to Select Checking--so it is important that you keep your email address current with us.

There is a $100 minimum opening deposit for this account.

(1) Please see Our Services and Fees booklet for additional fees and charges that may apply to your account. (3) "Qualification cycle" means a period beginning one business day prior to the first day of the current statement cycle through one business day prior to the close of the current statement cycle. (4) "Qualifying Point of Sale (POS) Transactions" means check card point-of-sales transactions in which Owner(s) use(s) Check Card to obtain customary goods or services (subject to review by Bank). (5) If you have met your eligibility requirements for the month, we will refund domestic ATM fees up to $5 per transaction and $20 per qualification cycle. Other conditions may apply. See branch for details. (6) Some retailers may charge a minimal fee for ATM point of sale services. You can save on these fees by swiping your card and signing or selecting "credit". (7) "Required Transaction Activities" means one Direct Deposit, or one ACH debit, or one electronic BillPay transaction must post and clear during each qualification cycle. You must also make a minimum of 12 "Qualifying Check Card point-of sale transactions" also known as "Qualifying Transactions" per qualification cycle. (8) This is a multi-tiered variable rate account. That means that we will apply a different interest rate and annual percentage yield (APY) to your account based on certain eligibility requirements, banking activities and balance tiers. Please reference the Plus Checking Account Truth-In-Savings Disclosure for current rates on all tiers for this account. Interest rate and APY may change at our discretion including as often as daily. (9) Plus Checking Account eligibility requirements: Must have a valid email address, and receive your statements electronically each month using Tri Counties Bank Online Banking. If we are unable to successfully deliver your statement notification by email, the account may convert to Select Checking. Limit one Plus Checking Account per primary account holder. Owner(s) must be at least 18 years old. (11) Check safekeeping is available with this account, (up to 36 imaged copies are available at no charge each year) or choose to get imaged checks back with your statement for $2 per month.