Sum of YOU Checking provides you maximum value by combining an interest-earning checking account, that lets you use your qualifying GFB checking, savings, money market, home equity loan or home equity line of credit balances to avoid a monthly maintenance fee, with valuable features to save you time and money.
Platinum Debit MasterCard®
You may incur a fee to replace a lost or stolen ATM/Debit card.
ATM Withdrawal Fee Reimbursement
We do not charge a fee to make a deposit or withdrawal from any Great Florida Bank ATM, PLUS we will reimburse other banks’ ATM surcharges when you make a cash withdrawal from any ATM anytime, anywhere, and any bank.
Great Online Banking with FinanceWorks™
powered by Quicken®
No Charge
e-Bill Service Conveniently receive and pay your bills online
No Charge
Mobile Banking No Charge
Access Great Online Banking using your Internet-enabled mobile device with our Mobile Website or Mobile Apps. Check with your wireless carrier for fees that may apply.
Text Banking No Charge
Send and recieve text messages for account balances, account activity and to make transfers. You must be enrolled for Great Online Banking. Check with your wireless carrier for fees that may apply.
Overdraft Protection
No fee overdraft protection transfers are available from a linked Savings or Money Market Account, or Line of Credit.
Checks
Sum of YOU Checking account holders receive the Alliance Series Goldstone check (150 quantity) and check book cover at no charge, or you may choose from 30+ scenic style checks for $9.95 plus shipping and handling.
Statement Detail
eStatement
Minimum to open
$100
ADDITIONAL BENEFITS AVAILABLE ONLY FOR SUM OF YOU CHECKING CUSTOMERS
You are eligible to open one Sum of YOU savings and
Sum of YOU money market account with no monthly maintenance fee.
¼% off add-on to index when payment is auto debited from a Sum of YOU Checking account.
Monthly Maintenance Fee
Balance Requirement to Avoid Maintenance Fee
$20
A $20 fee will be imposed every statement cycle, to the Sum of You Checking, unless at least one of the following criteria is met.
Maintain $5,000 average daily balance in the SOY Checking account
OR $15,000 combined average daily balance (including, SOY Checking) and linked personal savings or money market account. You must be the primary or secondary owner)
OR Maintain $20,000 minimum daily outstanding balance in linked Home Equity Line of Credit or Home Equity Loan.
Interest earning
Yes - Tiered rates increase as your account balance increases.1 ¼% preferential interest rate will be added to your Sum of YOU Checking account balance.2
Fee type
Fee
NSF Fee: Item Paid or Item Returned
$32.00
Fee applies to each item we pay, which overdraws your account and for each item, we return unpaid because you do not have sufficient funds in your account to cover the items.
Stop Payment Fee
$30.00 each request or renewal
Non-Great Florida Bank ATM Withdrawal Fee3
Great Florida Bank will not charge you a fee for using a non-Great Florida Bank ATM. However, the owner-operator of the ATM may charge you a fee.
ATM Withdrawal Fee Reimbursement
We do not charge our customers a fee to make a deposit or withdrawal at any Great Florida Bank ATM, PLUS we will reimburse other banks’ ATM surcharges when you make a cash withdrawal from any ATM anytime, anywhere and any bank.
Please review the Schedule of Fees for a complete listing of miscellaneous fees that may apply to your
Great Florida Bank deposit account.
Footnote1Interest is variable, compounded daily on collected balance and paid monthly. Rates are subject to change at any time. Fees may reduce earnings on the account.
Footnote2To earn preferential interest rate: An additional rate of 0.25% will be added each statement cycle to only the corresponding balance tier rate of the Sum of YOU Checking account when one of the following qualifying criteria is met. Maintain $5,000 daily balance in your Sum of YOU Checking account, or $15,000 combined daily balance (including the Sum of YOU Checking) in linked personal savings or money market account (you must be the primary or secondary owner), or $20,000 minimum daily outstanding balance in linked Home Equity Line of Credit or Home Equity Loan.
Footnote3A non-Great Florida Bank ATM is an ATM that does not prominently display the Great Florida Bank name or logo on the ATM.
A great account for your everyday needs that fits your budget. No per check charges, ATM fees or teller transaction fees.
Debit MasterCard®
You may incur a fee to replace a lost or stolen ATM/Debit card.
ATM Withdrawal Fee Reimbursement
We do not charge a fee to make a deposit or withdrawal from any Great Florida Bank ATM, PLUS we will reimburse other banks’ ATM surcharges when you make a cash withdrawal from any ATM anytime, anywhere, and any bank.
Great Online Banking with FinanceWorks™
powered by Quicken®
No Charge
e-Bill Service Conveniently receive and pay your bills online
No Charge
Mobile Banking No Charge
Access Great Online Banking using your Internet-enabled mobile device with our Mobile Website or Mobile Apps. Check with your wireless carrier for fees that may apply.
Text Banking No Charge
Send and recieve text messages for account balances, account activity and to make transfers. You must be enrolled for Great Online Banking. Check with your wireless carrier for fees that may apply.
Overdraft Protection
A $10 fee will be assessed for each overdraft protection transfer from a linked savings account, money market account or line of credit.
Checks
No Charge first order of 50 Variety Checks. Subsequent reorders available at regular price.
Statement Detail
Imaged copies of checks provided with monthly statement
Minimum to open
$100
Monthly Maintenance Fee
Balance Requirement to Avoid Maintenance Fee
$5
$500 Average Daily Balance
Interest earning
No
Fee type
Fee
NSF Fee: Item Paid or Item Returned
$32.00
Fee applies to each item we pay, which overdraws your account and for each item, we return unpaid because you do not have sufficient funds in your account to cover the items.
Stop Payment Fee
$30.00 each request or renewal
Non-Great Florida Bank ATM Withdrawal Fee1
Great Florida Bank will not charge you a fee for using a non-Great Florida Bank ATM. However, the owner-operator of the ATM may charge you a fee.
ATM Withdrawal Fee Reimbursement
We do not charge our customers a fee to make a deposit or withdrawal at any Great Florida Bank ATM, PLUS we will reimburse other banks’ ATM surcharges when you make a cash withdrawal from any ATM anytime, anywhere and any bank.
Please review the Schedule of Fees for a complete listing of miscellaneous fees that may apply to your
Great Florida Bank deposit account.
Footnote1A non-Great Florida Bank ATM is an ATM that does not prominently display the Great Florida Bank name or logo on the ATM.
A great way to earn interest on your account balance, plus the larger your balance the more interest you will earn.
Platinum Debit MasterCard®
You may incur a fee to replace a lost or stolen ATM/Debit card.
ATM Withdrawal Fee Reimbursement
We do not charge a fee to make a deposit or withdrawal from any Great Florida Bank ATM, PLUS we will reimburse other banks’ ATM surcharges when you make a cash withdrawal from any ATM anytime, anywhere, and any bank.
Great Online Banking with FinanceWorks™
powered by Quicken®
No Charge
e-Bill Service Conveniently receive and pay your bills online
No Charge
Mobile Banking No Charge
Access Great Online Banking using your Internet-enabled mobile device with our Mobile Website or Mobile Apps. Check with your wireless carrier for fees that may apply.
Text Banking No Charge
Send and recieve text messages for account balances, account activity and to make transfers. You must be enrolled for Great Online Banking. Check with your wireless carrier for fees that may apply.
Overdraft Protection
A $10 fee will be assessed for each overdraft protection transfer from a linked savings account, money market account or line of credit.
Checks
No Charge first order of 50 Variety Checks. Subsequent reorders available at regular price.
Statement Detail
Imaged copies of checks provided with monthly statement
Minimum to open
$100
Monthly Maintenance Fee
Balance Requirement to Avoid Maintenance Fee
$10
$1,000 average daily balance
Interest earning
Yes - Tiered rates increase as your account balance increases1
Fee type
Fee
NSF Fee: Item Paid or Item Returned
$32.00
Fee applies to each item we pay, which overdraws your account and for each item, we return unpaid because you do not have sufficient funds in your account to cover the items.
Stop Payment Fee
$30.00 each request or renewal
Non-Great Florida Bank ATM Withdrawal Fee2
Great Florida Bank will not charge you a fee for using a non-Great Florida Bank ATM. However, the owner-operator of the ATM may charge you a fee.
ATM Withdrawal Fee Reimbursement
We do not charge our customers a fee to make a deposit or withdrawal at any Great Florida Bank ATM, PLUS we will reimburse other banks’ ATM surcharges when you make a cash withdrawal from any ATM anytime, anywhere and any bank.
Please review the Schedule of Fees for a complete listing of miscellaneous fees that may apply to your
Great Florida Bank deposit account.
Footnote1Interest is variable, compounded daily on collected balance and paid monthly. Rates are subject to change at any time. Fees may reduce earnings on the account.
Footnote2A non-Great Florida Bank ATM is an ATM that does not prominently display the Great Florida Bank name or logo on the ATM.
A great way to earn the highest interest rate on your account balance. Use this account for larger balances to maximize your earnings
and when you only need to write a few checks each month.
Can be linked as a secondary account only on your checking account debit card or receive an ATM-only card. You may incur a fee to replace a lost or stolen ATM/Debit card.
ATM Withdrawal Fee Reimbursement
We do not charge a fee to make a deposit or withdrawal from any Great Florida Bank ATM, PLUS we will reimburse other banks’ ATM surcharges when you make a cash withdrawal from any ATM anytime, anywhere, and any bank.
Great Online Banking with FinanceWorks™
powered by Quicken®
No Charge
e-Bill Service Conveniently receive and pay your bills online
No Charge
Mobile Banking No Charge
Access Great Online Banking using your Internet-enabled mobile device with our Mobile Website or Mobile Apps. Check with your wireless carrier for fees that may apply.
Text Banking No Charge
Send and recieve text messages for account balances, account activity and to make transfers. You must be enrolled for Great Online Banking. Check with your wireless carrier for fees that may apply.
Overdraft Protection
A $10 fee will be assessed for each overdraft protection transfer from a linked savings account, money market account or line of credit.
Checks
No Charge for the first order of standard checks. Subsequent reorders available at regular price.
Statement Detail
Imaged copies of checks provided with monthly statement
Minimum to open
$100
Monthly Maintenance Fee
Balance Requirement to Avoid Maintenance Fee
$10
$2,500 average daily balance
Interest earning
Yes - Tiered rates increase as your account balance increases1
Fee type
Fee
NSF Fee: Item Paid or Item Returned
$32.00
Fee applies to each item we pay, which overdraws your account and for each item, we return unpaid because you do not have sufficient funds in your account to cover the items.
Stop Payment Fee
$30.00 each request or renewal
Non-Great Florida Bank ATM Withdrawal Fee2
Great Florida Bank will not charge you a fee for using a non-Great Florida Bank ATM. However, the owner-operator of the ATM may charge you a fee.
ATM Withdrawal Fee Reimbursement
We do not charge our customers a fee to make a deposit or withdrawal at any Great Florida Bank ATM, PLUS we will reimburse other banks’ ATM surcharges when you make a cash withdrawal from any ATM anytime, anywhere and any bank.
Please review the Schedule of Fees for a complete listing of miscellaneous fees that may apply to your
Great Florida Bank deposit account.
Footnote1Interest is variable, compounded daily on collected balance and paid monthly. Rates are subject to change at any time. Fees may reduce earnings on the account.
Footnote2A non-Great Florida Bank ATM is an ATM that does not prominently display the Great Florida Bank name or logo on the ATM.
A Sum of You Checking customers can open this account and receive the same premium interest rate as the GF400 money market account but without a minimum balance requirement or monthly maintenance fee.
Can be linked as a secondary account only on your checking account debit card or receive an ATM-only card. You may incur a fee to replace a lost or stolen ATM/Debit card.
ATM Withdrawal Fee Reimbursement
We do not charge a fee to make a deposit or withdrawal from any Great Florida Bank ATM, PLUS we will reimburse other banks’ ATM surcharges when you make a cash withdrawal from any ATM anytime, anywhere, and any bank.
Great Online Banking with FinanceWorks™
powered by Quicken®
No Charge
e-Bill Service Conveniently receive and pay your bills online
No Charge
Mobile Banking No Charge
Access Great Online Banking using your Internet-enabled mobile device with our Mobile Website or Mobile Apps. Check with your wireless carrier for fees that may apply.
Text Banking No Charge
Send and recieve text messages for account balances, account activity and to make transfers. You must be enrolled for Great Online Banking. Check with your wireless carrier for fees that may apply.
Overdraft Protection
No fee overdraft protection transfers are vailable from a linked savings, money market account or line of credit.
Checks
No Charge for the first order of standard checks. Subsequent reorders available at regular price.
Statement Detail
Imaged copies of checks provided with monthly statement
Minimum to open
$100
Monthly Maintenance Fee
Balance Requirement to Avoid Maintenance Fee
$0
There is no minimum balance requirement when linked to your Sum of YOU Checking account
Interest earning
Yes - Tiered rates increase as your account balance increases1
Fee type
Fee
NSF Fee: Item Paid or Item Returned
$32.00
Fee applies to each item we pay, which overdraws your account and for each item, we return unpaid because you do not have sufficient funds in your account to cover the items.
Stop Payment Fee
$30.00 each request or renewal
Non-Great Florida Bank ATM Withdrawal Fee2
Great Florida Bank will not charge you a fee for using a non-Great Florida Bank ATM. However, the owner-operator of the ATM may charge you a fee.
ATM Withdrawal Fee Reimbursement
We do not charge our customers a fee to make a deposit or withdrawal at any Great Florida Bank ATM, PLUS we will reimburse other banks’ ATM surcharges when you make a cash withdrawal from any ATM anytime, anywhere and any bank.
Please review the Schedule of Fees for a complete listing of miscellaneous fees that may apply to your
Great Florida Bank deposit account.
Footnote1Interest is variable, compounded daily on collected balance and paid monthly. Rates are subject to change at any time. Fees may reduce earnings on the account.
Footnote2A non-Great Florida Bank ATM is an ATM that does not prominently display the Great Florida Bank name or logo on the ATM.
You want to be rewarded for keeping higher balances. Earn interest and access to many banking services at no charge
You want a basic checking account with no monthly maintenance fee or minimum balance requirement
You want to earn interest on your account balance
You want to maximize the earnings on your account balance and do not plan to write many checks each month
You have a Sum of You Checking account and want to maximize the earnings on additional balances in this account
Pays you interest
Yes – Tiered rates increase as your account balance increase1
Yes - ¼% preferential interest rate will be added to your Sum of YOU Checking account balance2
No
Yes – Tiered rates increase as your account balance increase1
Yes – Tiered rates increase as your account balance increase1
Yes – Tiered rates increase as your account balance increase1
Number of transactions
Unlimited
Unlimited
Unlimited
Transfer and Withdrawal limits apply3
Transfer and Withdrawal limits apply3
Checks
No Charge4
No Charge first order of 50 Variety Checks5
No Charge first order of 50 Variety Checks5
No Charge first order of standard checks5
No Charge first order of standard checks5
Debit MasterCard®
No Charge6
Platinum Debit MasterCard®
Debit MasterCard®
Platinum Debit MasterCard®
Can be linked as a secondary account only on your checking account debit card or receive an ATM-only card
Can be linked as a secondary account only on your checking account debit card or receive an ATM-only card
ATM Card Withdrawal Fee Reimbursement
We do not charge a fee to make a deposit or withdrawal at any Great Florida Bank ATM, PLUS we’ll reimburse other banks’ ATM surcharges when you make a cash withdrawal from any ATM anytime, anywhere and any bank.
Overdraft Protection
A $10 fee will be assessed for each overdraft protection transfer from a linked Savings Account, Money Market Account or Line Credit7.
e-Bill Service
Conveniently receive and pay your bills online
No Charge
No Charge
No Charge
No Charge
No Charge
Mobile Banking
No charge to access Great Online Banking using your Internet-enabled mobile device8 with our Mobile Website or Mobile Apps.
Text Banking
Send and recieve text messages for account balances, account activity and to make transfers. You must be enrolled for Great Online Banking8
Statement Detail
eStatement
Imaged copies of checks provided with monthly statement
Monthly maintenance fee
$20
$5
$10
$10
$0
Minimum balance required to avoid maintenance fee
You can avoid the monthly maintenance fee by meeting one of the following criteria; Maintain $5,000 average daily balance in your Sum of You Checking account, or $15,000 combined average daily balance (including the Sum of YOU Checking) in linked personal savings or money market account (you must be the primary or secondary owner), or $20,000 minimum daily outstanding balance in linked Home Equity Line of Credit or Home Equity Loan
$500 Average Daily Balance
$1,000 Average Daily Balance
$2,500 Average Daily Balance
There is no minimum balance requirement when linked to your Sum of You Checking account
Opening deposit requirement
$100
$100
$100
$100
$100
Please review the Schedule of Fees for a complete listing of miscellaneous fees that may apply to your
Great Florida Bank deposit account.
FootnoteImportant Account Disclosures
1 Interest is variable, compounded daily on collected balances and paid monthly. Rates are subject to change at any time. Fees may reduce earnings on the account.
Footnote2 To earn preferential interest rate: An additional rate of 0.25% will be added
each statement cycle to only the corresponding balance tier rate of the Sum of YOU Checking account when one of the following qualifying criteria is met. Maintain $5,000 daily balance in
your Sum of YOU Checking account, or $15,000 combined daily balance (including the Sum of YOU Checking) in linked personal savings or money market account (you must be the primary or
secondary owner), or $20,000 minimum daily outstanding balance in linked Home Equity Line of Credit or Home Equity Loan.
Footnote3 Regulatory transfer and withdrawal limits for savings and money
market accounts – the limit is six (6) pre-authorized transfers or withdrawals (including checks, debit cards, or similar order payable to third parties) from your account per
monthly statement period. Other withdrawals that are included in the limitation of six (6) are transfers and payments made via personal computer or initiated by phone, pre-authorized
payments and overdraft protection transfers. A fee will apply to transfers or withdrawals in excess of six during the monthly statement period. If the transaction limitations are exceeded three times during
the last twelve rolling months, your account will be converted to a NOW account. The following are NOT included in the limit – withdrawals made in-person at a Solution Center or at an
Automated Teller Machine.
Footnote4 Sum of YOU Checking account holders receive the Alliance Series
Goldstone check (150 quantity) and check book cover at no charge, or you may choose from 30+ scenic style checks for $9.95 plus shipping and handling.
Footnote5 Subsequent reorders available at regular price.
Footnote6 You may incur a fee to replace a lost or stolen debit or ATM card. We do not charge a fee to make a deposit or withdrawal at any Great
Florida Bank ATM, PLUS we’ll reimburse other banks’ ATM surcharges when you make a cash withdrawal from any ATM anytime, anywhere and any bank.
Footnote7 Insufficient or uncollected funds and/or overdraft fees may be charged to your checking account if the available balance in your linked savings or money market account or amount available on your
linked line of credit is not enough to cover the overdraft amount. (Additional fees may apply if you exceed six(6) transactions in your linked savings or money market account.)
Footnote8 Great Florida Bank does not charge for Mobile Banking or Text Banking. However your mobile service provider may charge for data usage or to send and recieve text messages. Check with your service provider for details on specific fees or charges that may apply.
Equal Housing Lender
