Personal Solutions
Checking
 

Description
A "No-frills, no-worries" account
Min. to Open
$100
Interest Bearing
No
Min. to Avoid Fee**
None
Monthly Service Charge
None
Account Features

► FREE Online Banking & Bill Pay*
► 10 FREE Starter Checks
► Unlimited Check Writing
► Monthly Statement (Checks Not Returned)
► ATM/Debit Card ††
► TeleBank24

Description
A traditional checking account perfect for frequent check writers
Min. to Open
$100
Interest Bearing
No
Min. to Avoid Fee**
$500 or $750 average daily balance
Monthly Service Charge
$5 ††† Special Exceptions
Account Features

► FREE Online Banking & Bill Pay*
► 20 FREE Personalized Checks
► Unlimited Check Writing
► Checks/Images Returned with Statement
► Oops Card ***
► ATM/Debit Card ††
► TeleBank24

Description
An interest bearing checking account for customers who carry a higher balance
Min. to Open
$500
Interest Bearing
Yes
Min. to Avoid Fee**
$500 or $750 average daily balance
Monthly Service Charge
$7
Account Features

► FREE Online Banking & Bill Pay*
► 20 FREE Personalized Checks
► Unlimited Check Writing
► Checks/Images Returned with Statement
► ATM/Debit Card ††
► TeleBank24

Description
A no-service-charge interest bearing checking account offered exclusively for our FunTimer members
Min. to Open
$100
Interest Bearing
Yes
Min. to Avoid Fee**
None
Monthly Service Charge
None
Account Features

► FREE Online Banking & Bill Pay*
► Discounted FunTimer Checks
► 20 FREE Personalized Checks
► Unlimited Check Writing
► Checks/Images Returned with Statement
Membership Rewards
► ATM/Debit Card ††
► TeleBank24

Description
Everything students need for college in one simple package
Min. to Open
**
Interest Bearing
No
Min. to Avoid Fee**
**
Monthly Service Charge
**
Account Features

Check out all the great features

Description
A pre-approved line of credit linked to your checking account
Min. to Open
**
Interest Bearing
**
Min. to Avoid Fee**
**
Monthly Service Charge
**
Account Features

► Offers purchasing power
► Provides overdraft protection

* Bill Pay Service is FREE provided that you pay at least one bill per month online. Inactive Bill Pay users will be charged $4.95 per month.
**Please refer to our Services Brochure for applicable fees, interest rates and eligibility requirements.
***Good for a one time refund (up to $25) of a Bank of Pontiac assessed NSF fee or stop-payment-fee or refund of a foreign ATM fee; Limit one card per account; One time offering during life of customer relationship; Expires 2 years from date of opening.
†Must be a FunTimer with $2,500 in combined deposits at Bank of Pontiac and subject to "Interest Checking" requirements if $2,500 in combined deposits is not maintained.
††Subject to approval.
†††Service Charge waived for Direct Deposit (Payroll or Social Security), Senior Citizens (age 65 & older), Students (Age 25 & under) and Charitable Organizations.


How To Balance Your Checkbook

  1. Compare your monthly bank statement against entries written in your checkbook
  2. Put a check mark next to each transaction in your checkbook registry as reflected on your statement.
  3. Find the ending balance on your bank statement.
  4. Add any deposits not checked off to the ending balance
  5. From this new ending balance, subtract any recent withdrawals, checks or debits listed in your checkbook that are not checked off.
  6. The final amount should match your checkbook ending balance. If not, repeat this procedure until your checkbook balances.


Helpful Hints If You Don't Balance

  • Recheck your addition, subtraction and corrections made in your checkbook register and on your reconcilement form.
  • Verify the carryover balance from page to page in your checkbook register.
  • Be sure you have deducted any service charges from your checkbook register.
  • Verify the printed amount located on the bottom right hand corner of the cancelled check or any deposit slip with the amount listed in your checkbook register.
  • Please feel free to use our FREE Money Smart Tool to assist you, courtesy of the FDIC.