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Des Moines/Personal Banking/Checking Accounts Comparison

Comparison Chart

Consumer Checking Accounts

​​
​Checking
Benefits
Max
Checking​
Money
Market
Direct
Checking
Classic
Senior*​
Minimum
Balance
Requirement
NO $1,000 minimum balance or $1,500 average monthly balance NO NO
Earn Interest NO YES NO NO
Check
Advantage
Debit Card
YES YES YES YES
Internet
Banking
and Bill Pay
YES YES YES YES
Free
eStatements
YES1 YES YES YES
Transaction
Fees
NO $0.25 each transaction
​if minimum balance is not met
NO NO
ID Theft Protection Benefits2 YES NO NO NO
Everyday
Discounts
YES NO NO NO
Monthly
Maintenance
Fees
$7, reduced by $0.25 with every qualifying debit card purchase3, $5 monthly paper statement fee
or free eStatements
None with minimum balance; $10.99 service charge per month if minimum balance
is not met
None with direct
deposit, two or more ACH debits per month
or Bill Pay activation; otherwise $10.99 no activity fee
NO
Convenient
ATM
Access
No fee at more than
100 area Bankers Trust ATMs; $1 fee per ATM transaction at
non-Bankers Trust owned/operated ATMs
No fee at more than
100 area Bankers Trust ATMs; $1 fee per ATM transaction at
non-Bankers Trust owned/operated ATMs
No fee at more than
100 area Bankers Trust ATMs; $1 fee per ATM transaction at
non-Bankers Trust owned/operated ATMs
No fee at more than
100 area Bankers Trust ATMs; $1 fee per ATM transaction at
non-Bankers Trust owned/operated ATMs
 

 

​​​​​​​​​​​​​​​​​​​​* Classic Senior Checking is only available for people age 55 and older


1 eStatements enrollment required to avoid a monthly $5 paper statement fee. You can enroll in eStatements by first signing up for Internet Banking at www.bankerstrust.com. After logging in, select the Customer Service tab and click on the Change Statement Delivery Method link to complete enrollment.


2 ID Theft Protection benefits are provided by BaZing, are not a deposit or other obligation of, or guaranteed by, the bank or an affiliate of the bank, and are not insured by the Federal Deposit Insurance Corporation (FDIC) or any other agency of the United States.


3 Qualifying debit card purchases are any purchase transactions you make using your debit card. ATM do not count toward reducing your monthly fee. Your debit card transactions must post and settle during the statement cycle to qualify.​

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Equal Housing Lender Member FDIC, Affirmative Action/Equal Opportunity Employer