mySpending Card

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myDirect Checking

As long as your account is active1, you incur fees only if you make paper transactions2 or receive a paper statement3. With myDirect Checking, you’re in control of what you pay for your account. Bank and pay bills online, on your mobile phone, or at the ATM – FREE!

myDirect Checking includes the following services:

Min. Opening Deposit
  • $100
Monthly Service Charge
  • None, as long as the account is active.1
Minimum Balance to Avoid Service Charge
  • $0
Debit Card and ATM
Online Services
Additional Features
Statement Options
  • E-Statement and online check images - Free3
  • Paper Statement - $2.00/mo.
  • Paper Statement with Images - $3.00/mo.
  • $3 per month if the account is inactive1
  • $2 per paper transaction (check or withdrawal slip)2


  1. $3 monthly inactivity fee is charged after 60 days of inactivity. Avoid this fee by keeping your account active. Activity is defined as any transaction, such as a withdrawal, deposit, bill payment or ACH payment. An account inquiry, such as checking your balance in Online Banking or at ATM, is not a transaction and does not count as activity.
  2. Fee of $2 per paper transaction (check or withdrawal slip) you write that posts during your monthly statement period. Customer is also responsible for cost of check orders including shipping & handling. Avoid this fee by using Online Bill Pay and Visa Debit Card to make your payments.
  3. Must activate Online Banking and sign up for E-Statements to get free monthly statements; fees for paper statements are $2 per month for Paper Statements or you may choose Check Image statements for $3 per month. Fee waived for first 60 days after new account opening.
  4. Your mobile carrier’s text messaging and web access charges may apply.