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We offer an array of Checking products, each designed with different individual needs in mind. With a minimum opening deposit of $100 ($2,000 for NOW Checking), all of our Checking Accounts offer:
 
Online Banking and Bill Payment (formerly HPB Direct)

MoneyLine Telephone Banking

ATM Card or Visa Debit EasyPay Card SM
Direct Deposit option
Monthly combined statement option with your other Hyde Park Bank accounts
 



Regular Checking
 

No monthly fee with a minimum daily balance of $600 or minimum average monthly balance of $1000

Free use of Hyde Park Bank ATMs2

$10 monthly fee if the minimum balance requirement is not met, plus $0.30 for each service chargeable debit transaction1, $1.25 fee per ATM transaction and $0.50 fee per balance inquiry at non-Hyde Park Bank ATMs2
Check images returned with your monthly statement
No minimum balance requirement
 



Payday Checking
 

No monthly, item or ATM fees in months when a direct deposit of your payroll or government check is received2

In months when a direct deposit is not received, your account will revert to a Regular Checking Account; all applicable fees and balance requirements will apply.

Check images returned with your monthly statement
 



Economy Checking
 

No minimum balance requirement
$7 monthly fee, plus $0.70 per service chargeable debit transaction1 in excess of 15 per month
Free use of Hyde Park Bank ATMs; $1.25 fee per ATM transaction and $0.50 fee per balance inquiry at non-Hyde Park Bank ATMs2
Check images stored at the Bank, or receive them with your statement for a monthly fee of $1.00
 



Student Checking
 

No monthly fee with minimum combined ledger balance of $1500 (includes Checking, Savings, Money Market and CD Accounts)
$4 monthly fee if minimum balance requirement is not met, plus $1 for each service chargeable debit transaction1 in excess of 15 per month
Free use of both Hyde Park Bank and non-Hyde Park Bank ATMs2
Check images stored at the Bank, or receive them with your statement for a monthly fee of $1.00
 



Senior Checking– for customers age 60 and over
  No monthly fee; no minimum balance requirement
Free unlimited ATM transactions2, debit transactions and check writing
Check images returned with your monthly statement
 



NOW Checking
 

Variable interest – see our rates
$2,000 minimum opening deposit
Free use of Hyde Park Bank ATMs
No monthly fee with minimum daily balance of $2000 or minimum average monthly balance of $2500
$12 monthly fee if minimum balance requirement not met, plus $0.30 for each service chargeable debit transaction1, $1.25 fee per ATM transaction and $0.50 fee per balance inquiry at non-Hyde Park Bank ATMs2
Check images returned with your monthly statement
 



 

1 A service chargeable debit transaction includes checks paid, in-person withdrawals, telephone requests and third-party requests by mail, messenger or electronic debit.

2 Usage fees may be charged by the institution that owns the ATM.
 



Check Designs
  All Checking Accounts offer personalized checks, which come with the latest security features and a wide range of styles to reflect your personality and interests. Checks can be reordered online. Prices vary based on your chosen check design and delivery option.
 



Check Imaging
 

Hyde Park Bank Regular Checking, Payday Checking, Senior Checking, NOW Checking, Money Market Account and Market Index Account statements include cancelled check images, which are a legal copy of the cancelled paper check, and can be used the same way as the original check as proof of payment.

Check images are provided in check number order, eliminating the need to sort and file checks before balancing your statement. The check clearing date, check number and amount are printed below each check image for your reference. Record keeping is simplified as a result of not needing to organize and store cancelled paper checks.

Hyde Park Bank stores images of the front and back of cancelled checks for research purposes for all Checking and Money Market Account types. Contact the Bank if you need a copy of a check; a fee may apply.
 



Direct Deposit
  Direct Deposit of your payroll or government check saves you a trip to the bank, eliminates the worry of misplaced checks and makes your money immediately available in your Hyde Park Bank Checking or Savings Account on payday. Your funds are automatically and safely deposited in your account when you authorize Direct Deposit.

Ask your employer’s payroll department for an enrollment form, and include a voided check, your Checking or Savings Account number, and Hyde Park Bank’s ABA Routing Number: 071004022. Your payroll department will process your direct deposit enrollment.

A Hyde Park Bank Personal Banker can sign you up for Direct Deposit of your government check.