ServiceChecking accountChecked Oct 10, 2026Updated Oct 10, 2026

Service Dividend Checking

0.15%APY · as of Oct 10, 2026

A year for an everyday customer: $3 fees and interest, $2,000 kept
Monthly fee: $10 a month
On our list: #22 of 986 checking accounts, by a year’s value for an everyday customer

Rate conditions

Balance needed for the APY: $1,500Source · checked Oct 10, 2026
To earn the APY: on your balance while enjoying the same great benefits
0.15% APY on all balances above $1,500
Source · checked Oct 10, 2026

Monthly fee: $10 a monthSource · checked Oct 10, 2026
Ways to avoid the monthly fee: maintain a $1,500 daily balanceSource · checked Oct 10, 2026
Overdraft fee: $19Source · checked Oct 10, 2026
Returned item (NSF) fee: $19Source · checked Oct 10, 2026
Overdraft transfer fee: NoneSource · checked Oct 10, 2026
Most overdraft fees in a day: 12Source · checked Oct 10, 2026
Out-of-network ATM fee: NoneSource · checked Oct 10, 2026
ATM fees refunded, up to: $30 a monthSource · checked Oct 10, 2026
Foreign transaction fee (debit card): 1%Source · checked Oct 10, 2026
Outgoing domestic wire: $20Source · checked Oct 10, 2026
Outgoing international wire: $40Source · checked Oct 10, 2026
Inactivity fee: $10Source · checked Oct 10, 2026
Cashier’s check: $5Source · checked Oct 10, 2026
Stop payment: $30Source · checked Oct 10, 2026
Card replacement: $9Source · checked Oct 10, 2026

ATM fee rebatesBill payCard lockCheck writingEarly direct depositInterest bearingMobile walletOverdraft protection transfer

From the bank’s own pages. A feature not listed may still be offered: we list only what the bank states.

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