Checking Account For Physicians
PHYSICIAN eCENTIVE®
One Rewarding Checking Account
Make your money work harder with the Physician eCentive® checking account. This account is for those that want to earn a high interest rate while using the tools of a versatile checking account.
For qualified balances greater than $100,0001
For qualified balances of $0.01 – $100,0001
Base interest rate (non-qualifying)
PHYSICIAN ECENTIVE® CHECKING ACCOUNT FEATURES:
- Earn our highest yielding checking interest rate on balances up to $100,000*
- Automatic ATM refunds up to $25 per month when qualifications are met – (Refunds for domestic ATM fees charged by other ATM owners and MasterCard cross border/currency conversion fees for debit card foreign transactions)
- 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)
- Debit card included
ADDITIONAL FEATURES AND REQUIREMENTS
- Primary bank account holders (based on social security numbers) are limited to two (2) Physician eCentive® accounts at Physician Bank.
- Overdrafts & NSF: $33 per item
- Free Digital Banking, Mobile Banking, 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
Simply meet 3 easy qualifications to earn monthly incentives:
- Use your debit card for monthly purchases of $500 or more**.
- Have at least one direct deposit or automatic payment (ACH) each month
- Enroll to receive eStatements
Save Money With Save UP
Save Up works with your Physician eCentive® account. With Save Up, you can easily save money. Your ACH and debit card purchases are rounded up to the nearest dollar and deposited into your savings account automatically. By using Save Up, you will be able to build on the savings you currently have. eCentive Checking account customers can use Save Up with their existing accounts, but registration is required. We’d love to have you join our Save Up program. Just complete a quick form in our digital app or give us a call at 1-800-344-7048.Checking Account For Physicians
1 APY = Annual Percentage Yield. Fees may reduce earnings. Interest rate is variable and may change after the account is opened.
2 Must meet qualifications (Refunds for domestic ATM fees charged by other ATM owners and MasterCard cross border/currency conversion fees for debit card foreign transactions)
3 ATM transactions do not count toward the debit card purchase requirement.
*When the Physician eCentive® bank account qualifications are met, balances up to $100,000 will earn that qualification rate for the entire statement cycle. Balances of $100,000.01 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.
**Please note that ATM transactions do not count toward the debit card purchase requirement.
Interest Rates Effective Since December 27, 2022.
Juanita Schmunk
Physician Private Banker
- NMLS #2264168
- juanita@www.physicianbank.com
Dedicated Support
Custom Solutions
Incentives
Exclusive Bank Account Privileges
Financial tools and services for physicians in all 50 U.S. states. Contact us today to learn more.
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