the Price of Combination Checking and Savings Accounts

Intrest earning checking/savings account

Monthly Service Fee: $12.00/month

Service Fee Includes:

Free Statements, paper or online

Free access to online bill pay

Free online bill pay

Unlimited debting

Free checks

Overall this service has been good. At first I did not like the idea of paying for banking service but now I understand why. Debting and bank machine withdrawls can add up to more then your $12 service fee. Before having an account as such I had what is called a "free checking" account. "Free" did not include your debit or bank machine withdrawls. Many months I would pay almost $20 in these fees, also I would have to pay for online banking at $7.00/month. So paying this monthly fee is a good value for your money, helping you to avoid other costs.

This account is great if you are able to save or maintain $500/monthly because of the interest. The intrest on this account is paid daily and adds up quickly. My advice to others is to make sure you read the fine print and ask many questions about your accounts, remembering "free" is not always "free". Talk to your banker about what is best in your situation, they are there to help...not to make money off of you!