Consumer Checking 

With four different types of checking accounts, Bank of Holly Springs can meet your needs and the needs of your family.

See Rates for Consumer Checking AccountsCOMPARE ACCOUNTS

Student Checking

  • $200 to open
  • No minimum balance
  • No service fee
  • Must have student ID to open

Bonus Checking

  • $200 to open
  • No minimum balance
  • $10 service fee which may be waived if balance $2,500 or greater
  • Benefits include - $15,000 accidental death insurance, up to $300 cell phone protection to cover replacement and repairs, identity theft and credit monitoring.

To receive benefits, online registration and activation is required.

NOW Account

  • $1,000 to open
  • $1,000 minimum balance
  • $8 service fee if balance drops below $1,000
  • Interest bearing
  • Allowed 20 debits per month: $0.20 charge if limit is exceeded
  • No Corporations or Partnerships

Super NOW

  • $2,500 to open
  • $2,500 minimum balance
  • $8 service fee if balance drops below $2,500
  • Interest bearing
  • $0.25 charge per debit
  • No Corporations or Partnerships

Money Market

  • $2,500 to open
  • $2,500 minimum balance
  • Interest bearing
  • $8 service fee
  • 6 withdrawals per month with no more than three being by check to third parties
  • $5 fee for each transaction that exceeds the monthly limit

50 and Better

  • Must be 50 or older
  • $200 to open
  • No minimum balance
  • Interest bearing when balance exceeds $1,000
  • $6 service fee
  • Benefits include – Up to $10,000 accidental death insurance, up to $300 cell phone protection to cover replacement and repairs, identity theft and credit monitoring.

To receive benefits, online registration and activation is required.

Senior Citizen

  • Must be 65 or older
  • $200 to open
  • No minimum balance
  • No service fee

Up to three $25 overdraft fees may be charged daily on any deposit account

Consumer Checking Accounts Comparison Chart

Product

Student Checking

Bonus CheckingNOW AccountSuper NOWMoney Market50 and BetterSenior Citizen
Minimum to Open $200 $200 $1,000 $2,500 $2,500 $200 $200
Minimum Balance None None $1,000 $2,500 $2,500 None None
Monthly Service Fees None $10 $8 $8 $8 $6 None
Balance to Avoid Fee No Fee $2,500 $1,000 $2,500 N/A N/A No Fee
Interest Bearing No No Yes Yes Yes Yes, when balance exceeds $1,000.00 No
Requirements Must have student ID to open N/A N/A N/A N/A Must be 50 or older Must be 65 or older

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