Personal Banking

Experience the personal difference of our checking

Count on friendly people who can guide you to meet your unique needs

Checking Accounts

Extra Advantage

A low monthly service charge makes this a basic, economical checking account.

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Student

For those students 26 and younger, Troy Bank & Trust makes checking simple.

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Super Now

Enjoy full-function, unlimited-withdrawal checking while earning interest on your available balance.

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Compare Troy Bank Checking Accounts

Minimum opening balance

Extra Advantage

$100

Student

$100

Super Now

$100
Monthly statement fee

Extra Advantage

$3*

Student

Not Applicable

Super Now

Monthly service charge

Extra Advantage

$5**

Student

Not Applicable

Super Now

w/ $1,000 avg. daily balance
1 standard check order/year limitations

Extra Advantage

Applicable

Student

Applicable

Super Now

No transaction
Overdraft Privilege

Extra Advantage

Applicable

Student

Applicable

Super Now

Applicable
Telephone Banking

Extra Advantage

Applicable

Student

Applicable

Super Now

Applicable
Visa Debit Card

Extra Advantage

Optional

Student

Optional

Super Now

Optional
TB&T ATM access

Extra Advantage

Free

Student

Free

Super Now

Free
Allpoint Network ATMs

Extra Advantage

Free

Student

Free

Super Now

Free
Other ATMs

Extra Advantage

Chargesfrom other institutions

Student

Chargesfrom other institutions

Super Now

ATM refunds3 transactions/month, up to $4.99 per transaction
Unlimited check writing w/ no check fee

Extra Advantage

Not Applicable

Student

Applicable

Super Now

Applicable
Interest compounded daily

Extra Advantage

Not Applicable

Student

Not Applicable

Super Now

Applicable
Earn stated yield

Extra Advantage

Not Applicable

Student

Not Applicable

Super Now

Yeswith $500 daily balance
FDIC insured

Extra Advantage

Applicable

Student

Applicable

Super Now

Applicable

Need help choosing which account works best for you?

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Notice of Expiration of the Temporary FDIC Insurance Coverage for Noninterest-bearing Accounts

By operation of federal law, beginning January 1, 2013, funds deposited in a noninterest bearing transaction account (including an Interest on Lawyer Trust Account) no longer will receive unlimited deposit insurance coverage by the Federal Deposit Insurance Corporation (FDIC). Beginning January 1, 2013, all of a depositor’s accounts at an insured depository institution, including all noninterest-bearing transaction accounts, will be insured by the FDIC up to the standard maximum deposit insurance amount ($250,000), for each deposit insurance ownership category.

For more information about FDIC insurance coverage of noninterest-bearing transaction accounts, visit www.fdic.gov

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