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Checking

Checking Accounts

Features Simple Rewards Relationship
Monthly Maintenance Charge $5 $10 $15
Ability to Waive Maintenance Charge Checkmark* Checkmark** Checkmark*
Minimum to Open Account $100 $100 $100
No Minimum Balance Checkmark Checkmark Checkmark
Cash Back Rewards Checkmark**
Earns Interest Checkmark
Free Online & Mobile Banking Checkmark Checkmark Checkmark
Free Bill Pay Checkmark Checkmark Checkmark
Free Visa Debit Card Checkmark Checkmark Checkmark
Free Electronic Statements Checkmark Checkmark Checkmark
Free Gen Gold Membership2 Checkmark Checkmark Checkmark

Benefits for 55+

Simple & Relationship Checking Only

  • Free first order of basic checks
  • Free official checks
  • Free notary
  • Free safe deposit box5

*How to Waive Monthly Service Fees for Simple & Relationship Checking

Meet any 3 of the following: Simple3 Relationship4
10 or more Visa Debit Card signature based transactions per month1 Checkmark Checkmark
4 or more Online Bill Payments per month1 Checkmark Checkmark
Electronic Statements Checkmark Checkmark
Direct Deposit1 Checkmark Checkmark
Recurring transfer of $50 or more per month into a savings account1 Checkmark
Combined monthly deposit balance of $2,000 or more Checkmark

**How to Waive Monthly Service Charge for Rewards Checking

Monthly service charge rebate up to $10 per month:

  • $4.00 credit for combined relationship balances in Savings, CDs or Money Market accounts greater or equal to $5,000
  • $4.00 credit for personal or home equity loan balances greater or equal to $5,000
  • $3.00 credit for 1 mobile debit or credit transaction1
  • $3.00 credit for receiving Electronic Statements
  • $3.00 credit for completing at least 2 Online Bill Payments through Online Banking1
  • $3.00 credit for direct deposit1
  • $2.00 credit for completing 8 or more Visa Debit Card signature based transactions1
  • $2.00 credit for writing less than 10 checks

Opportunities to earn bonus rewards for each of the following during any statement cycle on your Rewards Checking Account:

  • $.05 cash back for every Visa Debit Card signature based transaction
  • $.50 cash back for each P2P (Person to Person) payment through PopMoney
  • $.25 cash back (cap of $5.00) for each Greater Hudson online bill payment

Additional Checking Account Benefits

Simple Checking

  • Domestic ATM fee refunds of up to $20.00 per cycle with 10 Visa Debit Card signature based transactions per month
  • 1 Stop Payment fee refund per month with 5 or more Online Bill Payments through Greater Hudson Online Banking

Rewards Checking

  • Domestic ATM fee refunds of up to $20.00 per cycle with 8 Visa Debit Card signature based transactions
  • 1 Stop Payment fee refund if you have paid 5 bills through Greater Hudson online bill pay

Relationship Checking

  • Unlimited Domestic ATM fee refunds with 15 Visa Debit Card signature based transactions* or 5 Online Bill Payments through Greater Hudson Online Banking*

Basic Banking

Features:

  • $25 Minimum to Open (8 free debits/checks per statement cycle - $0.50 fee each debit/check thereafter)
  • No Minimum Balance
  • $3 Monthly Service Charge
  • Free Online & Mobile Banking
  • Free Visa Debit Card
  • Free Online Bill Pay
  • Free Electronic Statements
  1. Transactions must post during the statement cycle to qualify.
  2. Reward and Relationship Checking accounts come with the added benefit of GenGold. See www.gengold.com for complete program details, or speak to a personal banker for more information.
  3. Customers 55+ can avoid the Simple Checking monthly charge with one direct deposit and either one ACH or $25 monthly automatic transfer to a Greater Hudson Savings account.
  4. Customers 55+ can avoid the Relationship Checking monthly charge with one direct deposit and maintaining a combined deposit balance of more than $2,000 each day during the statement cycle.
  5. If the safe deposit box is closed within the first three years, the customer will be obligated to pay the Bank the actual first year sale deposit box rental fee plus applicable tax.
Greater Hudson Bank Routing Number: 021913639

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