This is a combination checking and savings account. The minimum to open this account is $1000. This account earns interest at the current stated rate as long as the minimum balance of $1000 is maintained. If the balance falls below $1000, there is a monthly service charge fee $10 charged to the account. Withdrawals are limited to six (6) per month with no more than three (3) by check. There is an excess debit fee of $20.