Checking

Best of both worlds

 We believe a personal checking account needs to be just that- personal. It needs to fit your lifestyle and assist you in meeting your daily and long-term goals. We also believe it's important to have options, so we offer a variety of checking accounts to meet those goals. 

Whether you want to bank completely digitally, prefer traditional banking methods or perhaps a combination of both, we have the perfect account for you. Check out our accounts below, or contact your nearest Fountain Trust Company Banking Center for more information. We'd be happy to help!

Personal Checking Accounts1

  eChecking 2 Fountain Checking 2 Premium Checking Fresh Start Checking
Minimum Opening
Deposit
$50.00 $50.00 $500.00 $50.00
Minimum Daily Balance (to avoid a monthly service fee) $500.00 $500.00 $500.00 None
Monthly Service Fee $6.00 $6.00 $6.00 $10.00 or $12.00 3
Unlimited Check Writing $1 fee per check X X X
Debit Card 4 X X X  
eStatement 5 X X X X
Paper Statement 6   $5 paper statement fee X $5 paper statement fee
Interest Bearing        
Online Bill Pay X $8 fee per month X  
Mobile Deposit 7 X X X  
  More More More More

1. Each checking account at The Fountain Trust Company has online banking, phone banking and mobile banking
2. No monthly service fee, no minimum balance with one of the following: direct deposit, 10 transactions per month, or minimum daily balance of $500
3. $10 monthly service fee with direct deposit or $12 monthly service fee without direct deposit
4. Debit card options available for Fresh Start Checking; contact our local Banking Center location nearest you for more information
5. eChecking requires eStatements
6. Fresh Start and Fountain Checking have the option of an eStatement or $5 paper statement fee
7. $.75 fee per mobile deposit does apply


Personal Interest Bearing Accounts1

  Gateway Account Fountain Fund Piper Fund Tartan Checking
Minimum Opening
Deposit
$1,500.00 $2,500.00 $5,000.00 $1,500.00
Minimum Daily Balance
(to avoid monthly service fee)
$1,500.00 $2,500.00 $5,000.00 $1,500.00
Monthly Service Fee $20.00 $20.00 $25.00 $25.00
Unlimited Check Writing X Limit of 3 checks 2 Limit of 3 checks 2 X
Debit Card X X X X
eStatement X X X X
Paper Statement X X X X
Interest Bearing X X X X
Online Bill Pay X     X
Mobile Deposit 3 X X X X
  More More More More
  1. Each checking account at The Fountain Trust Company has online banking, phone banking and mobile banking
  2. Limit of 3 checks and 3 transfers per month to avoid $5 fee per transaction
  3. $0.75 fee per mobile deposit does apply

eChecking

In with the new and out with the old! Do you like the idea of never having to write a check again or receiving a statement through the mail? Do you love having your account information available at the click of a button? If so, this is the account for you.

Get great benefits from our eChecking:

$6 monthly service fee; waived with:

    • Direct deposit or
    • 10 transactions per month or
    • Minimum daily balance of $500

Fountain Checking

Our Fountain Checking account values your time as much as it does your money. This account is perfect for those who want unlimited check writing, no minimum balance requirements and online options.

Get great benefits from our Fountain Checking:

$6 monthly service fee; unless:

    • Direct deposit or
    • 10 transactions per month or
    • Minimum daily balance of $500

Premium Checking

Do you appreciate traditional banking but still want the modern technology of our eChecking account? At The Fountain Trust Company, we understand you might want the option of both. Our Premium Checking account is just that; it offers you the best of both worlds.

Get great benefits from our Premium Checking:

$6 monthly service fee; unless:

    • Minimum daily balance of $500

Fresh Start Checking

Does your banking need a fresh start? The Fountain Trust Company Fresh Start Checking helps provide a new approach for those who have experienced banking challenges in the past. Let us assist you in starting over.

Get great benefits from our Fresh Start Checking:

Gateway Interest Bearing

Our Gateway Checking is for people who want to have it all. Allow your money to work for you while we continue our tradition of unlimited teller and account access.

Get great benefits from our Gateway Checking:

$20 monthly service fee; unless:

    • Minimum daily balance of $1,500

Fountain Fund Interest Bearing Money Market

Get great benefits from our Fountain Fund Checking:

$20 monthly service fee; unless:

    • Minimum daily balance of $2,500

Piper Fund Interest Bearing Money Market Tiered

Get great benefits from our Piper Fund Checking:

$25 monthly service fee; unless:

    • Minimum daily balance of $5,000

Tartan Checking Interest Bearing Tiered

Get great benefits from our Tartan Checking:

$25 monthly service fee; unless:

    • Minimum daily balance of $1,500

 

*Under Federal Regulation, transfers from a Money Market Account to another account or to third parties by preauthorized, automatic or telephone transfer are limited to six per month. If this limitation is exceeded on a regular basis, we are required to convert your account to another account that permits unlimited check writing privileges.