Smile. This is your red carpet moment.
You are a very important person. You show up, put in the work and bring your best to each and every day. It isn’t always glamorous or easy, but it’s worth it because you’re building a life for yourself and those you love.
That means a lot . . . and so do you. It’s time to bank with Park and get the VIP treatment you deserve.
Safe Start Checking Account
If you’re getting started with your first checking account – or stepping back into banking after a break – the safe start checking account gives you an easy, straightforward way to manage your day‑to‑day finances. It comes with the essential tools you need to stay on top of your money and is BankOn certified, so you can move forward with added confidence and peace of mind.
ACCOUNT
DESCRIPTION
FEATURES
Compare
Compare your checking account options
| ACCOUNT | DESCRIPTION | FEATURES | Compare |
|---|---|---|---|
| VIP Checking Account |
Monthly service charge: $10 or $0 You can eliminate your service charge1 with one of the following:
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Access to any ATM (up to $10 in fees refunded7 per statement cycle) Your own personal banker to help you along the way . . . plus all the good stuff that comes standard with every account. |
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| VIP All-Access Checking |
Monthly service charge: $25 or $0 You can eliminate your service charge1 with $25,000 or more on deposit with Park.5 |
Earn interest6 on balances of $2,500 or more All-access pass to use any ATM7 Your own personal banker to help you along the way $150 loyalty bonus8 with any new vehicle or personal loan . . . plus all the good stuff that comes standard with every account. |
|
| VIP Teen Checking |
Monthly service charge: $0 Minimum opening deposit: $0 |
Debit card with teen limits9 Card controls let parents monitor spending, transfer funds, and set limits to promote responsible habits. No overdraft fees10 Access to any ATM (up to $10 in fees refunded11 per statement cycle) |
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| Safe Start Checking |
Monthly service charge: $013 Minimum opening deposit: $014 |
No monthly service charge13 |
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VIP banking means you get your own personal banker
When you open an account with Park, you get more than you might expect – your own personal banker and the VIP treatment you deserve. We think you’ll agree, life’s just easier with a personal banker.
Your time is valuable
Debit card
It's the quickest way to pay! Add yours to your phone's mobile wallet for added convenience.
Online & mobile banking
Whether on your phone or computer, you have anytime access to your money. You'll save time with our wide range of features.
Credit Sense
Monitor your credit score, see ways to improve it, set goals, get alerts, use a simulator and more.
Zelle®15
Send and receive money from friends, family and others you trust. It's fast, safe, easy and free.
Fraud protection
We're always on alert for you, and we want to keep you informed on the many ways you can protect yourself.
Account alerts12
Use text and email alerts to stay up to date on your account activity.Start banking like a VIP
It’s time to bank with Park and get the VIP treatment you deserve.
ACCOUNT INFORMATION
See terms and conditions for full account details. All accounts are subject to approval.
1 Monthly service charge is waived for the first two statement cycles to allow for electronic payments and deposits to be established. After the first two statement cycles, the monthly service charge will be waived if you meet the direct deposit or balance qualifier. A statement cycle is approximately 30 days. The number of days can vary depending on the number of days in a month and if the statement end date falls on a weekend. You can determine your statement cycle by reviewing the beginning balance and ending balance dates listed on your statement.
2 Direct deposit qualifier is met when a total of $500 or more monthly electronic payments, such as payroll deposits, government benefits and ACH deposits are posted to the account in a statement cycle.
3 Balance qualifier is met for your VIP Checking Account when you maintain a current monthly average available balance of $1,000 or more in this account. More information about how we calculate monthly average available balance is available in your account disclosures.
4 Age qualifier is met if one or more owners on the account is 24 years of age or younger at the end of each statement cycle. Upon the youngest owner’s 25th birthday, the monthly service charges will be applied on the next statement cycle, unless another discount applies. Waiver does not apply if this account goes inactive or dormant.
5 Balance qualifier is met for your VIP All-Access Checking Account if you maintain a monthly average available balance of $25,000 or more during the previous calendar month across all of the primary owner’s open deposit accounts with Park. You must be an owner on other deposit accounts, but you do not need to be the primary owner. Wealth Management and loan relationships do not qualify. More information about how we calculate monthly average available balance is available in your account disclosures.
6 VIP All-Access Checking is an interest-bearing account. You must maintain a minimum balance of $2,500 or more in this account each day to earn interest. See Deposit Rate Sheet and account disclosures for more information.
7 For the VIP Checking Account, ATM fees refunded for use of an ATM outside of the Park network to cover non-Park bank’s ATM fee and other provider ATM service charge up to $10 per statement cycle. For the VIP All-Access Checking Account, all ATM fees will be refunded for use of an ATM outside of the Park network to cover non-Park bank’s ATM fee and other provider ATM service charge.
8 $150 loyalty bonus is credited to your VIP All-Access Checking Account when you obtain a qualifying consumer loan with Park after your VIP All-Access Checking Account is open. Loyalty bonus is typically credited to your account 45 days after the loan is closed. Checking account must remain open in order for loyalty bonus to be credited; if account is closed and/or restricted, no loyalty bonus will be awarded. Bonus is considered income and may be reportable on IRS 1099-INT. Additional terms and conditions may apply.
9 Daily debit card limit for purchases and withdrawals is $500. ATM withdrawals are limited to $100 a day. Limits may be lowered by calling us at 888-474-7275.
10 Overdraft fees: Overdraft protection is not available on this account. Most transactions will be declined if funds are insufficient. However, certain transactions such as tips added to restaurant charges may result in a negative balance. In these cases, no Non-Sufficient Funds (NSF) fee will be charged.
11 ATM fees refunded for use of an ATM outside of the Park network to cover non-Park bank’s ATM fee and other provider ATM service charge up to $10 per statement cycle.
12 Messaging and data rates may apply for account alerts. Check with your mobile phone carrier for details.
13 Account will default to a mailed statement and a monthly $2 mailed statement service charge will be charged to your account per statement cycle. You may avoid this fee by enrolling in paperless statements through online banking. This account will not be charged for the first two statement cycles after opening the account to provide you time to enroll in paperless statements. After that, a service charge will apply per statement cycle unless you meet the criteria to avoid the fee per statement cycle. For customers age 62 years of age or older, or for guardian, estate, QIT Trust or representative payee account types, the service charge will be waived. Service charge waiver will not apply if this account goes inactive or dormant.
Enrollment in online banking (OLB) is required to access and elect paperless statements. If you fail to enroll in OLB and elect paperless statements, discontinue or fail to maintain your OLB enrollment, we may return your account to paper statements, and the applicable service charge will be assessed.
14 A $25 minimum opening deposit is required to open this account online.
15U.S. checking or savings account required to use Zelle®. Zelle® is not available for the VIP Teen Account. Transactions between enrolled users typically occur in minutes. Zelle® and the Zelle® related marks are wholly owned by Early Warning Services, LLC and are used herein under license.