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Checking Comparison Chart

  Free Checking Maximum Yield (MY) Checking GenGold® Elite Plus Student Checking
Minimum to Open $100 $100 $100 $1,000 $50
Minimum Balance None None None $1,000 to earn interest None
Limitations None Requires electronic statements, NetTeller Online Banking and BRB Debit Card None Age 55 or better Ages 15 and older
Unlimited Check Writing Yes Yes Yes Yes Yes
Free Checks No No One box of bank stock checks Two boxes of bank stock checks or a discount on two boxes of premium-style checks per year No
Itemized Monthly Statements Yes Yes Yes Yes Yes
Bounce Protection Up to $200* Up to $400* Up to $600* Up to $800* No
Overdraft Protection Available  Yes** Yes** Yes** Yes** Yes**
Free Online Banking Yes Yes - Required Yes Yes Yes
Free Online Bill Pay Yes Yes Yes Yes Yes
Free Mobile Banking Yes*** Yes*** Yes*** Yes*** Yes***
Free Debit Card Yes Yes - Required Yes Yes Yes - (ages 17 and younger requires parent/guardian approval)
E-Statements Available Yes Required Yes Yes Yes
Interest Bearing No

Premium interest**** on balances up to $25,000 when monthly requirements are met.

Tiered interest**** on account balances over $25,000 or if requirements are not met.

To meet requirements, an account holder must receive electronic statements, complete 12 or more debit or credit point-of-sale purchases, and receive 1 ACH direct deposit or payment per monthly qualification cycle.

No Variable interest**** on balances $1,000 and over No
Fees No* No* Try for 90 Days Free!
$5 per month after trial period.*
$10 monthly fee if balance falls below $1,000* No*
Other Features None

Free ATM withdrawals at over 20,000 MoneyPass network ATMs


Nationwide ATM fee refunds up to $25 per statement cycle when MY Checking qualifications are met. 1

Free Cashier's Checks and Money Orders

$10 off any safe deposit box with auto pay

Complimentary Identity Theft Protection

Cash Back Rewards

Complimentary Grocery Coupon Club Membership

Travel Discounts and Rebates

Discounts on Health Services, Consumer Services, Movie Tickets, Gift Cards, and more

Visit www.gengold.com

Free Cashier's Checks and Money Orders
(5 per month)

Complimentary Financial Review

Quarterly Newsletter

Annual Customer Appreciation Event

Free ATM withdrawals at over 20,000 MoneyPass network ATMs


* For current rates and listing of any miscellaneous fees or charges that may apply, visit one of our locations, call our Customer Service Center at (816) 795-9933 or see our Fee Schedule.

** Overdraft Protection automatically transfers funds in $100 increments from another checking or savings account held by you. There is a $10 transfer fee each day a transfer is made. On Savings and Money Market accounts, there is a limit of six (6) withdrawals per calendar month or statement cycle. 

*** Your cell phone or mobile device must be equipped to access the Internet. You may be charged access rates depending on your carrier. Check with your service provider for details on specific fees and charges. All terms and conditions applicable to online banking may apply to mobile banking.

**** Rate may change weekly; interest is credited to the account monthly. The daily collected balance method is used to calculate interest. This method applies a daily periodic rate to the principal in the account each day.

(1) Refunds up to $25 for Nationwide ATM fees include up to $10 of Blue Ridge Bank Foreign ATM charges and up to $15 of Foreign ATM Owner charges. MY Checking qualifications must be met to receive the ATM refunds.