BEST CHECKING ACCOUNT
Rated #1 on Bankrate.com for Best Checking Account (September, 2022).
Physician eCentive Checking Account
– Automatic Refunds on ATM fees, up to $25 per month3
– No Minimum Balance Requirements
– Free Digital Banking, Mobile Deposit, ePay, Debit Card, Online Bill Pay and more
– Every account holder gets a dedicated private banker available after hours at no additional charge
1APY = Annual Percentage Yield. Fees may reduce earnings. Interest rate is variable and may change after the account is opened. Effective since November 1, 2022.
2When the Physician eCentive® Account qualifications are met, balances up to $100,000 will earn that qualification rate for the entire statement cycle. Balances of $100,000.00 and above will receive that qualification rate for the entire month. If applicable, sales tax will be applied to service charges for accounts opened in Iowa.
3When the Physician eCentive® Account qualifications are met.
Highest Yielding Checking Account
- Total monthly debit card purchases posted to your account equaling a minimum of $2,000**
- Have at least one direct deposit or automatic payment (ACH) each month
- Enroll and receive monthly eStatements
- Earn our highest yielding checking interest rate*
- Automatic ATM refunds up to $25 dollars – (Refunds for domestic ATM fees charged by other ATM owners and MasterCard cross border/currency conversion fees for debit card foreign transactions)
**Please note that ATM transactions do not count toward the debit card purchase requirement.
eCENTIVE® ACCOUNT FEATURES
- No minimum balance
- $100 minimum to open account
- Monthly eStatements required – Must have valid email address to enroll ($4 per month if you fail to enroll and paper statements are sent to you through U.S. Mail)
- Our Best Checking Account includes a Debit card
ADDITIONAL FEATURES AND REQUIREMENTS
- Primary account-holders (based on social security numbers) are limited to two (2) eCentive® Accounts at Physician Bank
- Overdrafts & NSF: $33 per item (Physician Bank is a division of Heritage Bank NA)
- Free Digital Banking, Mobile Deposit, ePay, Online Bill Pay and more!
- Transfer money electronically to or from your account – anytime, online
- $30 fee if the account is closed within 6 months of opening
- Interest rate is variable and may change after the account is opened
Learn how a Ready Reserve Line of Credit can protect your account from overdrafts. It will also simplify small and short term loans. For the best checking account around, choose the eCentive account and let your money work harder.
The 100% financing option while we started our first post-residency job, their rapid and efficient response rate to our questions and our numerous changes in schedule that occurred with our builder, and the absence of PMI were all extremely helpful.
Dr. David Ogden, UT