Personal Checking Comparison

Find out which account is right for you.

AccountBudget CheckingSky High CheckingTime of Your Life Checking
Requirements$100 to open account

No minimum balance
$100 to open account

No minimum balance
$100 to open account

For customers age 55 and above
Service Charges$5 monthly service charge, waived if you receive an E-StatementNo monthly service charge$5 monthly service charge, waived if the Daily Average Collected Balance remains above $100 during the statement cycle 
Statement Options E-Statement or mailed paper statementE-StatementE-Statement or mailed paper statement
Interest No interestEarn high-yield interest (when requirements are met)Interest compounds and is credited to the account monthly on daily collected balances of $1,000 or more
Other Account Details N/A

To earn the interest, the following must happen each statement cycle:



  • 20 debit card transactions posted and cleared (point-of-sale, excludes ATM's)

  • Log onto online banking at least once

  • Direct deposit or electronic bank draft posted and cleared

  • Receive E-Statement


Statement cycle ends on the 15th of the month unless it falls on weekend or holiday (cycle ends on Friday if the 15th falls on the weekend or Monday holiday)




  • Free basic checks

  • $5 discount on safe deposit box per year (automatic payment is required)


Account holders under 18 must have an adult joint owner.

At Andrew Johnson Bank’s discretion, changes may occur to the qualification requirements and/or the balance tier on this account. Fees may reduce earnings.

Banking your way.

Everyone banks differently, so we offer a suite of standard options at no extra charge with every personal checking account:

  • Contactless Debit Cards Instantly Issued
  • Online Bill Pay
  • Peer to Peer Payments (P2P) with Zelle®
  • External Account-to-Account Transfers with Transfer Now
  • 4 “other bank” ATM charges refunded per statement cycle when the ATM charge is $4.99 or less
  • Mobile banking with mobile deposit

ATM Card Limits

  • $500 in cash at ATMs

Debit Card Limits

  • $500 in cash at ATMs
  • $2,500 in point-of-sale transactions

Need to change your card limits?

Contact any branch during normal business hours
or if outside of those hours, contact our 24/7 Card
Care Center at 833-664-0353 to request any changes.
There may be circumstances when a higher or lower
limit may be selected for individual cards.

ATMs may have additional limitations.