Our VIP Checking Account is a straightforward and easy-to-use bank account. You get the VIP treatment with the freedom to use any ATM and access to your own personal banker.
Monthly service charge: $10 or $0
You can eliminate your monthly service charge1 with one of the following:
• $500 or more in qualifying direct deposits2
• $1,000 or more monthly average available balance in this account3
• If you are 24 and under4
Minimum opening deposit: $100
Key account features
• Access to any ATM (up to $10 in fees refunded5 per statement cycle)
• Your own ParkDirect personal banker to help you along the way
• Easy way to waive the monthly service charge
Other account features
• Mailed or paperless statement6 (enroll in paperless statements in online banking)
• Debit card
• Online banking
• Mobile banking app
• 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
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 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 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 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.
6 Account will default to a mailed statement. Paperless statements can be set up after enrollment in online banking.
7 Messaging and data rates may apply for account alerts. Check with your mobile phone carrier for details.
8 Overdraft protection options: If you open your account online, charges that overdraw your account will be declined and no fees will apply. To view our overdraft protections options, click here or to request access to our overdraft protection services, please speak with your local banker, ParkDirect banker or call 888-474-7275. Overdraft options include Account Link, Checkline and Courtesy Overdraft Protection. You may request one of these options at any time. Additional terms and conditions, fees and qualifications will apply based on the overdraft protection option chosen.
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.