Our VIP All-Access Checking Account gives you unparalleled convenience with the VIP treatment and all the perks. You earn interest, get an all-access ATM pass and can earn loyalty bonuses.
Monthly service charge: $25 or $0
You can eliminate your monthly service charge when you have $25,000 or more on deposit at Park during the previous month1
Minimum opening balance: $100
Key account features
• Earn interest2 on balances of $2,500 or more
• All-access pass to any ATM (unlimited fee refunds for use of non-Park ATMs3)
• Your own ParkDirect personal banker to help you along the way
• $150 loyalty bonus4 with any vehicle or personal loan
• Easy way to waive the monthly service charge
Other account features
• Mailed or paperless statement5 (enroll in paperless statements in online banking)
• Debit card
• Online banking
• Mobile banking app
• Free select style of checks6
• Fraud monitoring
• Account alerts7
• Overdraft protection options8
• Free credit score with Credit Sense
• Send and receive money with Zelle®9
• Free access to any Park ATM
All accounts are subject to approval.
See terms and conditions for full account details.
1 Monthly service charge is waived for the first two statement cycles to allow for funds to be deposited. After the first two statement cycles, the monthly service charge will be waived if you maintain a current 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. Trust & Investments and loan relationships do not qualify. More information about how we calculate monthly average available balance is available in your account disclosures. 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 This 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.
3 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.
4 $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-MISC. Additional terms and conditions may apply.
5 Account will default to a mailed statement. Paperless statements can be set up after enrollment in online banking.
6 Free checks with wallet (single) exclusive Park check design, includes standard shipping. Does not include duplicates.
7 Messaging and data rates may apply for account alerts. Check with your mobile phone carrier for details.
8 Overdraft protection options: Upon account opening, charges that overdraw your account will be declined and no overdraft fees will apply. After 30 days, you may request Courtesy Overdraft Protection and opt in to coverage for debit card charges. Courtesy Overdraft Protection requires that the account be open for 30 days and in good standing. Additional terms and conditions, fees and qualifications will apply based on the overdraft protection option chosen. To request access to overdraft protection options, please call 888-474-7275.
9 U.S. checking or savings account required to use Zelle®. 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.