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 on deposit3 with Park
Minimum opening deposit: $100
Key account features
• Access to any ATM (up to $10 in fees refunded4 per statement cycle)
• Your own ParkDirect personal banker to help you along the way
Other account features
• Mailed or paperless statement5 (enroll in paperless statements in online banking)
• Debit card
• Online banking
• Mobile banking app
• Fraud monitoring
• Account alerts6
• Overdraft protection options7
• Free credit score with Credit Sense
• Send and receive money with Zelle®8
• 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 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 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.
4 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.
5 Account will default to a mailed statement. Paperless statements can be set up after enrollment in online banking.
6 Messaging and data rates may apply for account alerts. Check with your mobile phone carrier for details.
7 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.
8 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.