Ultimate Checking Account
Premium banking with tiered interest rates that reward your higher balances
Why Choose Ultimate Checking?
Our premium checking account delivers exceptional value with competitive interest rates and premium features designed for customers who maintain higher balances and want full access to their funds.
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Ultimate Checking Specifications
Tiered Interest Rates
Enjoy competitive interest rates that increase as your balance grows:
| $0 - $9,999 | 0.05% APY |
| $10,000 - $24,999 | 0.10% APY |
| $25,000 - $49,999 | 0.15% APY |
| $50,000+ | 0.20% APY |
*Annual Percentage Yields (APYs) accurate as of [current date]. Fees may reduce earnings. Rates subject to change.
Account Specifications
| Minimum Opening Deposit | $50 |
| Monthly Maintenance Fee | $25 |
| Fee Waiver | $10,000 minimum daily balance |
| Interest Compounding | Monthly |
| Check Writing | Unlimited |
| ATM Fee Rebates | Up to 5 per month |
Premium Features & Benefits
Tiered Interest Rates
Earn higher interest rates as your balance grows, with monthly compounding and crediting.
Digital Banking
Enjoy free online banking, mobile banking, and online statements for convenient account management.
Free Debit Card
Get a free debit card with your account for convenient purchases and ATM access worldwide.
Complete Account Information
The Ultimate Checking Account is designed for customers who maintain higher balances and want to earn interest while having full access to their funds. This premium account offers a comprehensive suite of banking services with minimal fees when balance requirements are met.
Digital Banking Features
• Free online banking with bill pay
• Mobile banking with mobile deposit
• Free e-statements and paper statements
• Real-time account alerts and notifications
Frequently Asked Questions
How do I qualify for the monthly fee waiver?
To waive the $25 monthly maintenance fee, simply maintain a minimum daily balance of $10,000 or more in your Ultimate Checking Account.
How is interest calculated and paid?
Interest is calculated daily based on your account balance and the applicable tier rate. Interest is then compounded and credited to your account monthly.
Can I open this account online?
Yes, you can open an Ultimate Checking Account online through our secure application process. You can also visit any of our branch locations or schedule an appointment with a personal banker.
Are there any ATM fees?
There are no fees for using Federal Capital PLC ATMs. For non-Federal Capital PLC ATMs, a fee may apply, but Ultimate Checking Account holders receive up to 5 fee rebates per month for ATM surcharges from other banks.
What documents do I need to open an account?
You will need a valid government-issued photo ID (such as a driver's license or passport), your Social Security number, and your initial deposit of at least $50.
Related Services
Essential Checking
Basic everyday banking solution
High-Yield Savings
Competitive rates for your savings
Money Market Accounts
Higher returns with limited access
Ready to Get Started?
Open your Ultimate Checking Account today and start enjoying premium banking benefits and competitive interest rates.
Important Disclosures
Annual Percentage Yields (APYs) are accurate as of [current date]. Fees may reduce earnings. Interest rates are variable and may change after the account is opened. $25 monthly maintenance fee will be waived with a minimum daily balance of $10,000. Accounts with balances that fall below minimum requirements may incur additional fees. Please see our Account Disclosure for complete terms, fees, and conditions. Member FDIC.
