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Checking Account Comparison Chart
| Checking interest rate | No | No | ||||||
| Minimum checking balance requirement | $15,000 combined balance from deposits, loans, and investments* | Low | Low | No | ||||
| Monthly checking fee | None, if balance requirement is met (otherwise, $30) | None, with direct deposit or qualifying balances** (otherwise, $15) | None, with $500 average daily balance (otherwise $5) | None | ||||
| Free Checks*** | Yes | Yes | No | Yes | ||||
| Free Sovereign Debit Card | Yes, Platinum | Yes, Gold | Yes | Yes | ||||
| Online Banking with BillPay | Free | Free | Free | Free | ||||
Fee to use other banks' ATMs in the U.S^
| No |
No |
$2.50 |
No |
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| Eligible Savings Account | Premier Money Market Savings | Preferred Money Market Savings | Statement Savings | Free Student Savings | ||||
| Interest rate bonus on eligible CDs | Yes | No | No | No | ||||
| Interest rate discount for loans and lines of credit† | Yes .25% |
Yes .25% |
Yes .25% |
Yes .25% |
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| Additional Benefits | Sovereign Premier Banking |
Sovereign Preferred Banking |
Sovereign Classic Banking |
Sovereign Student Banking |
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Please select an account to view additional benefits
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* Mortgages, student loans, credit card balances, indirect auto loans obtained through automobile dealers, unsecured personal loans and lines of credit issued by FIA Card Services, N.A., and the unused portion of any Sovereign credit line are not counted as part of the combined balance.
** Monthly fee waived when you set up a recurring direct deposit, or maintain a $2,500 average daily balance in your checking account, or maintain a $7,500 combined balance in your checking, savings, or money market savings accounts.
*** Sovereign Premier Checking — Free Graystone-style checks or $15 credit toward alternate designs.
Sovereign Preferred Checking — Free Graystone–style checks.
Sovereign Classic Checking — Customers purchase their checks.
Sovereign Student Checking — Free first order of Graystone–style checks, limited to 1 box of 120 checks. After first order, students purchase their own checks.
^ ATM owner may charge a separate fee.
† With automatic payment from a Sovereign account. Not available on mortgages, and auto loans obtained through an auto dealer.
† † Subject to credit approval. Credit cards issued and administered by FIA Card Services N.A.
** Monthly fee waived when you set up a recurring direct deposit, or maintain a $2,500 average daily balance in your checking account, or maintain a $7,500 combined balance in your checking, savings, or money market savings accounts.
*** Sovereign Premier Checking — Free Graystone-style checks or $15 credit toward alternate designs.
Sovereign Preferred Checking — Free Graystone–style checks.
Sovereign Classic Checking — Customers purchase their checks.
Sovereign Student Checking — Free first order of Graystone–style checks, limited to 1 box of 120 checks. After first order, students purchase their own checks.
^ ATM owner may charge a separate fee.
† With automatic payment from a Sovereign account. Not available on mortgages, and auto loans obtained through an auto dealer.
† † Subject to credit approval. Credit cards issued and administered by FIA Card Services N.A.
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