Effective

Checking Products

Sturdy Savings Bank offers a variety of personal checking accounts to satisfy your unique financial needs. For your convenience, all of our personal checking accounts include:

  • Free Online Banking and Bill Pay
  • Free Mobile Banking
  • VISA® Check Card
  • e-Statements available
  • Preferred rates on Certificates of Deposit
  • Toll free telephone banking
  • No minimum opening balance requirement
Checking Accounts
 

E-Checking

Student Checking

Regular Checking

NJ Consumer Checking

NOW Checking

Premier NOW Checking

Added Features
  • Reserved for depositors age 18 - 45
  • Reserved for students age 18 - 25
  • Converts to E-Checking when depositor reaches age 26
  
  • 8 free checks per monthly cycle, $0.50 per check in excess of 8
  
  • Reserved for depositors age 45 or more
  • Free specially designed checks

Minimum Daily Balance

$100

None

$100

Must maintain $1 minimum balance to remain active

$500

None

Monthly Service Charge if Below Minimum Daily Balance

$5

None

$5

$3

Monthly fee applies regardless of balance

$10

None

ATM Transaction Fees

No Sturdy ATM transaction fees (foreign ATM surcharges may apply)

No Sturdy ATM transaction fees (foreign ATM surcharges may apply)

$10 maximum monthly rebate of foreign ATM surcharges (receipts required)

 $1 transaction fee at non-Sturdy ATMs

No fee at Sturdy Savings Bank ATMs

$1 transaction fee at non-Sturdy ATMs

No fee at Sturdy Savings Bank ATMs 

$1 transaction fee at non-Sturdy ATMs

No fee at Sturdy Savings Bank ATMs 

No Sturdy ATM transaction fees (foreign ATM surcharges may apply)

Interest Bearing

No

No

No

No

Yes

Yes

Minimum Daily Balance to Obtain APY*

 

 

 

 

$100

$100

Interest Rate**

 

 

 

 

.01%

.01%

APY***

 

 

 

 

.01%

.01%
* Daily Balance (the amount of collected principal balance in the account each day).
** Variable rate accounts. Current rates will be quoted at the time of opening an account or upon request (Call 609-463-5220).
*** Annual Percentage Yield (APY) assumes interest remains on deposit. Withdrawal of interest will reduce earnings. Fees may reduce earnings. APY may change after account opening.