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Legacy Account Details

LEGACY CHECKING ACCOUNTS


Legacy Checking Accounts are accounts established at Blackhawk Bank & Trust prior to March 31, 2019. These accounts will no longer be available to open as new accounts after March 31, 2019.

The following disclosure is provided pursuant to the Truth in Savings Act and Regulation DD. This disclosure contains information about your accounts.

REGULAR CHECKING ACCOUNT

  • The minimum deposit required to open this account is $300
  • Minimum monthly balance of $300 or more, no service charge
  • Minimum monthly balance of $200 to $299.99, service charge is $2 plus $0.20 per debit
  • Minimum monthly balance below $200, service charge is $3 plus $0.20 per debit
  • Interest is not paid on this account
  • Fee for canceled images returned is $2 per month
  • There is no monthly dormant account fee for balances greater than $300
  • For monthly balances of $200 to $299.99, a monthly dormant account fee of $2 will be assessed after 12 months of no transaction activity within the account
  • For monthly balances below $200, a monthly dormant account fee of $3 will be assessed after 12 months of no transaction activity within the account
  • Fee for canceled images returned is $2 per month
  • 3 free foreign ATM transactions are allowed per monthly statement cycle; $1 per transaction fee is charged in excess of three foreign ATM transactions.

STUDENT CHECKING ACCOUNT

Available to Students under the age of 25 with proof of Student Status.

  • There is a $1 minimum deposit required to open this account
  • $1 minimum balance to keep this account open
  • No monthly fee or per item fee
  • Interest is not paid on this account
  • Fee for canceled images returned is $2 per month
  • A monthly dormant account fee of $3 will be assessed after 12 months of no transaction activity within the account
  • 3 free foreign ATM transactions are allowed per monthly statement cycle; $1 per transaction fee is charged in excess of three foreign ATM transactions

SENIOR CHECKING ACCOUNT

Senior Citizens aged 65 and over or aged 62 and retired are eligible for this account.

  • Only one (1) Senior Checking Account per household
  • The minimum deposit required to open this account is $100
  • $1 minimum balance to keep this account open
  • No monthly fee or per item fee
  • Interest is not paid on this account
  • Fee for canceled images returned is $2 per month
  • A monthly dormant account fee of $3 will be assessed after 12 months of no transaction activity within the account
  • 3 free foreign ATM transactions are allowed per monthly statement cycle; $1 per transaction fee is charged in excess of three foreign ATM transactions
  • Free Blackhawk Bank & Trust standard paper checks. If Blackhawk Bank & Trust standard paper checks are not ordered, check printing fees will apply

PERSONAL CHECKING ACCOUNT

  • The minimum deposit required to open this account is $100
  • $1 minimum balance to keep this account open
  • A per debit fee of $0.25 will be charged for each debit from this account, including, but not limited to, each check, ATM withdrawal, debit memo, ACH or POS withdrawal in a monthly statement cycle
  • Interest is not paid on this account
  • Fee for canceled images returned is $2 per month
  • A monthly dormant account fee of $3 will be assessed after 12 months of no transaction activity within the account
  • 3 free foreign ATM transactions are allowed per monthly statement cycle; $1 per transaction fee is charged in excess of three foreign ATM transactions
  • Free wallet safety paper checks in gray. If safety paper checks are not ordered, discounted check printing fees will apply depending on style and quantity ordered.

ECONOMY CHECKING ACCOUNT

  • The minimum deposit required to open this account is $100
  • $1 minimum balance to keep this account open
  • There is a $7 monthly maintenance fee which is waived if a Direct Deposit is made to this account every month
  • Interest is not paid on this account
  • A $0.50 fee will be charged for each check, ACH debit, and other miscellaneous debit in excess of ten (10) per monthly statement cycle. This excludes ATM/Debit transactions and POS transactions
  • Fee for canceled images returned is $2 per month
  • A monthly dormant account fee of $3 will be assessed after 12 months of no transaction activity within the account
  • 3 free foreign ATM transactions are allowed per monthly statement cycle; $1 per transaction fee is charged in excess of three foreign ATM transactions.

HOMEOWNERS CHECKING ACCOUNT

Account owner must provide proof of Home Ownership to qualify.

  • Only one (1) Homeowners Checking Account per household
  • The minimum deposit required to open this account is $100
  • $1 minimum balance to keep this account open
  • No monthly fee or per item fee
  • Fee for canceled checks returned is $2 per month
  • A monthly dormant account fee of $3 will be assessed after 12 months of no transaction activity within the account
  • 3 free foreign ATM transactions are allowed per monthly statement cycle; $1 per transaction fee in excess of 3 foreign ATM transactions
  • Interest is paid on this account. Interest rate and annual percentage yield may change
  • At our discretion, we may change the interest rate on the account
  • This is a tiered-rate account
  • Interest begins to accrue no later than the business day we receive credit for non-cash items (for example, checks)
  • Interest will be compounded monthly and credited to the account on a monthly basis
  • The interest accrual method is 365/365 days
  • A minimum daily balance of $2,500 or greater must be maintained to earn the disclosed annual percentage yield
  • The daily balance method is used to calculate the interest on the account. This method applies a daily periodic rate to the principal in the account each day.

SILVER HAWK CLUB CHECKING ACCOUNT

Available to individuals 50 years of age or older who maintain a minimum depository balance of $5,000 in any checking or savings account, certificate of deposit, or any combination of deposit accounts.

  • Only one (1) Silver Hawk Club Checking Account per household
  • The minimum deposit required to open this account is $100
  • $1 minimum balance to keep this account open
  • Images returned with statements
  • Free wallet safety paper checks in blue, green or brown. If safety paper checks are not ordered, discounted check printing fees will apply depending on style and quantity ordered
  • A monthly dormant account fee of $3 will be assessed after 12 months of no transaction activity within the account
  • 3 free foreign ATM transactions are allowed per monthly statement cycle; $1 per transaction fee is charged in excess of three foreign ATM transactions
  • No service fee Checking (for non-interest bearing accounts), Cashier’s Checks, Money Orders, Notary Service, Signature Guarantee, Will Safekeeping, plus 10% off annual safe deposit box rental fees
  • A $9.95 fee will be assessed each month the required minimum depository balance requirement of $5,000 is not met.

NOW ACCOUNT

After March 31, 2019 this account will continue to be available to nonprofit organizations, municipalities and sole proprietorships. This account will not be available to individuals or businesses after March 31, 2019.

  • The minimum deposit required to open this account is $500
  • Images returned with statements.
  • Monthly minimum balance fee of $5 plus a per-debit fee of $0.10 is assessed if the daily balance falls below $500 any day for the month or if average daily balance is under $1,500 for the monthly statement cycle
  • The daily balance is calculated by adding the principal in the account for each day of the period and dividing that figure by the number of days in the period
  • 3 free foreign ATM transactions are allowed per monthly statement cycle; $1 per transaction fee is charged in excess of three foreign ATM transactions
  • At our discretion, we may change the interest rate on the account
  • Interest begins to accrue no later than the business day we receive credit for the deposit of non-cash items (for example, checks)
  • Interest will be compounded monthly and credited to the account on a monthly basis
  • The interest accrual method is 365/365 days
  • There is no limit to the number of monthly deposits or withdrawals on this account
  • A minimum daily balance of $500 or greater must be maintained to earn the disclosed annual percentage yield
  • The daily balance method is used to calculate the interest on the account. This method applies a daily periodic rate to the principal in the account each day
  • There is no monthly dormant account fee for minimum daily balances of $500 or greater; otherwise a $5 monthly dormant account fee will be assessed after 12 months of no activity within the account.

SUPER NOW ACCOUNT

After March 31, 2019 this account will continue to be available to nonprofit organizations, municipalities and sole proprietorships. This account will not be available to individuals or businesses after March 31, 2019.

  • The minimum deposit required to open this account is $2,500
  • Images returned with statements
  • Monthly minimum balance fee of $5 plus a per-debit fee of $0.10 is assessed if the daily balance falls below $2,500 any day for the month
  • This is a tiered-rate account. The interest rate and annual percentage yield may change at our discretion
  • 3 free foreign ATM transactions are allowed per monthly statement cycle; $1 per transaction fee is charged in excess of three foreign ATM transactions
  • Interest begins to accrue no later than the business day we receive credit for the deposit of non-cash items (for example, checks)
  • Interest will be compounded monthly and credited to the account on a monthly basis
  • The interest accrual method is 365/365 days
  • There is no limit to the number of monthly deposits or withdrawals on this account
  • Minimum daily balance of $2,500 or greater must be maintained to earn the disclosed annual percentage yield
  • The daily balance method is used to calculate the interest on the account. This method applies a daily periodic rate to the principal in the account each day
  • There is no monthly dormant account fee for minimum daily balances of $2,500 or greater; otherwise a $5 monthly dormant account fee will be assessed after 12 months of no activity within the account.

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