Personal Comparison Chart

Gulf Advantage Checking - Additional Information

Gulf Advantage Checking is a FREE* interest-bearing checking account with a FREE Visa® Debit Card. To receive the higher interest rate and refund of up to $35.00 in ATM fees, you must meet three simple requirements (listed below). If one month you don't meet the requirements, you still earn a lower interest rate and have the opportunity to earn the higher interest the next month.

Account Requirements:

1. 12 debit card purchase transactions that post and clear per monthly qualification cycle.
2. The account must receive at least one direct deposit or ACH automatic debit that post and clear per monthly qualification cycle.
3. You must be able to accept electronic delivery of your monthly bank statement and agree to do so, in lieu of receiving a paper statement.

If all account requirements are met during the qualification cycle, your account earns the higher interest rate and ATM fees of $4.99 or less will be automatically reimbursed up to a maximum of $4.99 per individual transaction. Those fees of $5.00 or higher will be reimbursed if the appropriate ATM receipt is presented to a representative at one of our branches. In no circumstance, however, will the maximum reimbursement exceed $35.00 per monthly qualification cycle. The qualification period is generally the statement cycle, but the specific cut-off date for transactions to qualify varies month to month; customers are advised of the actual date ahead of time via a monthly email.

*Accounts closed within 30 days of opening will be assessed a $15.00 fee each. 

Portside Checking - Additional Information

An excess debit fee of $0.25 will be charged for each debit transaction in excess of 25 during a monthly statement cycle (does not include electronic funds transfers). This fee will not apply if the average daily balance is $700.00 or more for the monthly statement cycle. In addition, the fee will not be charged for individuals age 62 or older regardless of balance. Also, the monthly maintenance fee is waived for individuals age 62 or older, regardless of balance.

Gulf Stream Money Market - Additional Information

Transaction limitations: Transfers from a Gulf Stream Money Market account to another account or to third parties by preauthorized, automatic, or telephone (including Internet or data transmission), check or similar order to third parties are limited to six per statement cycle. We further prohibit transfers to third parties by POS or similar order. In addition, accounts violating Reg D transaction limitations more often than three times in a 12-month period are subject to reclassification as a non-interest bearing account or closure. Fees: Each withdrawal in excess of the six allowable per statement cycle will incur a fee of $10.00 (does not include electronic funds transfers).

VISA® is a registered Trademark of Visa International Service Association.