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Personal Checking Comparison (Rate Table)
e-Z Checkinge-Z NowStudent CheckingStatement Checkinge-Z Money Market
Minimum to Open$100$1,500$25$100$1,500
Earns InterestCheckmarkCheckmark
ATM/Debit CardCheckmarkCheckmarkCheckmarkCheckmarkCheckmark
Online BankingCheckmarkCheckmarkCheckmarkCheckmarkCheckmark
Mobile BankingCheckmarkCheckmarkCheckmarkCheckmarkCheckmark
24-Hour Telephone BankingCheckmarkCheckmarkCheckmarkCheckmarkCheckmark
e-StatementsRequiredOptionalOptionalOptionalOptional

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e-Z Checking

Our e-Z Checking Account puts you in control of your money with unlimited check writing privileges, free online banking, and bill pay. You’ll have convenient access to your money with no monthly service charge.

$100 required for opening balance. No monthly service charge. $1 ATM activity fee is charged for using a non-Bank of Zachary ATM. $10 for replacement ATM/MasterCard Debit Card.

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e-Z Now

If you'd like the benefits of a Bank of Zachary checking account plus interest, consider our e-Z NOW account. Maintain a minimum balance of $1,500 to obtain the APY and to avoid the $15 monthly service charge.

Features
Rates

Effective Date: 4/9/2026

Checking Rates Table
Interest RateAPY*Minimum To OpenMinimum To Obtain APY
0.45%0.45%$1,500$1,500

*APY – Annual Percentage Yield 

Interest is calculated on the daily collected balance and paid on the entire balance based on the applicable tier. Interest is compounded and credited monthly. The interest rate and Annual Percentage Yield (APY) for each tier may change at any time. Fees may reduce earnings on these accounts. 

 

$1,500 required for opening balance. No monthly service charge if your lowest balance during the cycle is $1,500 and above. $15 monthly service charge if your balance is less than $1,500 any day of the statement cycle. $1 ATM activity fee is charged for using a non-Bank of Zachary ATM. $10 for replacement ATM/MasterCard Debit Card.

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Student Checking

Your first checking account should be designed to fit your needs and schedule. Our Student Checking account offers convenient access to your cash - anytime, anywhere.

$25 required for opening balance. $1 ATM activity fee is charged for using a non-Bank of Zachary ATM. $10 for replacement ATM/MasterCard Debit Card.

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Statement Checking

With our Statement Checking account, you can receive monthly bank statements in the mail. Avoid the $10 monthly service charge by maintaining a minimum balance of $1,500.

$100 required for opening balance. No monthly service charge if your lowest balance during the cycle is $1,500 and above. $10 monthly service charge if your balance is less than $1,500. $1 ATM activity fee is charged for using a non-Bank of Zachary ATM. $ 10 for replacement ATM/MasterCard Debit Card.

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e-Z Money Market

Our Money Market account offers a flexible way to earn interest while maintaining access to your funds. With tiered rates and convenient banking features, it’s a great option for customers looking to grow their savings while keeping funds available when needed.

Features
  • $1,500 minimum deposit required to open and earn interest
  • Avoid a $15 monthly service charge by maintaining a minimum daily balance of $1,500 during the statement cycle
  • Interest is calculated using tiers based on daily collected balances and credited monthly
  • Unlimited deposits
  • Unlimited cash withdrawals in person or at a Bank of Zachary ATM*
  • Certain transfers and withdrawals over six (6) per statement cycle are subject to a fee** 
  • E-Statements included
  • Online & Mobile Banking with Bill Pay  
  • ATM/Mastercard® debit card available at account opening with automatic enrollment in Scorecard Rewards
  • Free 24-hour Telephone Banking
  • Optional overdraft protection services available
Rates

Effective Date: 4/9/2026

Daily Collected BalanceInterest RateAPY*
$1,500.00 - $24,999.990.25%0.25%
$25,000 - $99,999.990.85%0.85%
$100,000 - $249,999.991.50%1.51%
$250,000 - $499,999.991.75%1.76%
$500,000 +2.25%2.27%

*APY – Annual Percentage Yield

Interest is calculated on the daily collected balance and paid on the entire balance based on the applicable tier. Interest is compounded and credited monthly. The interest rate and Annual Percentage Yield (APY) for each tier may change at any time. Fees may reduce earnings on these accounts.

A $1,500 minimum deposit is required to open an account and earn interest. A $15 monthly service charge will be assessed if the account balance falls below $1,500 during any day of the statement cycle.  

**Certain transfers and withdrawals, including checks, debit card transactions, and preauthorized or electronic transfers (including online and telephone transfers), are limited to six (6) per statement cycle. A $10 fee will apply for each transaction exceeding this limit. *In-person and ATM withdrawals do not count toward this limit.

Fees may reduce earnings. Interest rates are variable and subject to change after the account is opened.

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