Bank of America CNL Bank EverBank FineMark National Bank & Trust Florida Gulf Bank IberiaBank IronStone Bank Stonegate Bank SunTrust Bank Florida Community Bank Name of Account My Access and
E-Banking Economy Checking Basic Checking Basic Checking Coastal Checking Fredom Checking Free Checking Basic Checking Free www.suntrust.com FCB Free Checking Opening Deposit
Requirements $25.00 No Minimum Required $100.00 $10.00 $100.00 $50.00 $50.00 $100.00 $100.00
Minimum Balance
My Access-no minimum if monthly Direct Deposit of $1,500 Avgerage Daily Balance E-Banking-no minimum balance, must use self service options for deposits & withdrawals / paperless statements
$0.00 $800 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00
Monthly Maintenance Fee
My Access-$8.95 if no Direct Deposit /minimum balance required E-Banking-$8.95 if Full Service banking is used
$5.00 per Month $7.95 $0.00 $10.00 $0.00 $0.00 $0.00 $0.00 ATM Charges Within Network $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 Out-of-Network Charged by this Institution $2.00 $2.50 $0.00 $0.00 $0.00 $1.50 $1.50 $2.00 $0.00 Requirements of Direct
Deposit My Access only None None None None No requirement
Set up through
employer None None
Availabillity/Cost of Debit Card
Can a new Bank on SWFL customer open an account online
Yes No No No No Yes No No No
Availability/Cost of Online Banking
Yes/No fee Text
Bank of America CNL Bank EverBank FineMark National Bank & Trust Florida Gulf Bank IberiaBank IronStone Bank Stonegate Bank SunTrust Bank Florida Community Bank
Availability/Cost of Online
Bill Pay Yes/No charge Yes/No charge $0.00 None Yes/No charge
Yes/No charge for up to
10 transactions monthly None Free Yes/No Charge
Acceptance of Alternative ID (non-US government IDs) Primary-Government issued photo ID Secondary-Flexible for opening accounts
Major credit card-last 4 digits, State or Local government issued ID with photo
Government issued drivers license, state ID, military ID, passport
State Issued ID/Drivers License/Passport and second form of ID-SS Card/Credit Card/Utility Bill, etc.
Valid drivers license, State issued photo ID, Passport, Resident Alien ID, US military ID or Consular ID
Valid US drivers license, Canadian drivers license, US Passport Book or Card w/photo, IS military ID w/photo, Department of Indain Affairs, In-State ID (at least 90 days old)
Government issued ID, Social Security card
Primary ID for US Person-Drivers license, State ID Card, Passport, Military ID, Gov't issued ID Card Primary ID for Permanent Resident Aliens-Cedular Card, Unexpired Visa w/photo, Matricular Consular, Other Unexpired Gov't issued ID s/photo, Alien Registration Card, Unexpired Foreign Passport. Primary for Foreign Nationals-Passport, I-94, Unexpired Visa w/photo Secondary ID for US and Non-US Persons-Voter's Registration Card, Social Security Card, Income Tax Return, IRS Document bearing SSN or TIN, Employee ID w/photo, Student ID w/photo, Professional License, Non-Resident Alien Card, Check Cashing Card, Birth Certificate, Marriage License, Divorce Certificate, Utility Bill, Library Card w/customer info, Health Insurance Card w/customer info, Credit Card, Firearms Permit, Concealed Weapons Permit
Availability/Cost of Printed
Checks Yes/Varies by style $8.95
Available/First set of checks free, ongoing re-orders at customer expense. If ordered through our vendor $27.00 + $4.25 shipping
None $19.50 including shipping Yes, minimum $9.95
First order free, thereafter fee depends on style of check
$20.00 up depending on
style selected Yes/Price Varies
Bank of America CNL Bank EverBank FineMark National Bank & Trust Florida Gulf Bank IberiaBank IronStone Bank Stonegate Bank SunTrust Bank Florida Community Bank
Cost of Cashier's Checks $10.00 Customers $20.00 Non-Customers $10.00 $10.00 $10.00 Free to clients $15.00 minimum $6.00 $5.00 $5.00
Availability/Cost of Incoming/Outgoing Domestic/Foreign Wire Transfers Incoming Domestic- $12.00 Incoming Int'l- $16.00 Outgoing Domestic- $25.00 Outgoing Int'l- $45.00 Incoming-$8.00 Outgoing-$15.00 Incoming Domestic/Foreign- $0.00 Outgoing Domestic- $25.00 Outgoing Foreign- $50.00 Domestic- $22.00 and $10.00 Foreign- $40.00 and $10.00 Incoming-no charge Outgoing-$20.00 Foreign-$45.00 Domestic/Outgoing- $15.00 Incoming Domestic/Foreign- $10.00 Foreign Outgoing- $50.00 Domestic-$20.00 Foreign- $40.00 Domestic- $5.00/$30.00 Foreign- $15.00/$45.00 Incoming Domestic-$10.00 Outgoing Domestic-$20.00 Foreign Incoming-$10.00 Foreign Outgoing-$50.00
Financial Incentives for Completing Financial Education
Second Chance Program N/A
If the client is on Chexsystems, management approval is required to open the account.
N/A
Each individual would be reviewed on a case by case basis depending on the severity of the Chexsystems report.
If the client has been on Chexsystems over a year, has no monies owed to other banks, had completed financial education program, we will proceed opening the account. Credit score requirements will still apply for all debit cards but ATM cards will be available.
Program not available yet
If the client is on chexsystems, management approval is required before opening the account. The financial education program may be required.
We do not have a second chance account policy. Through Bank On SWFL, we would require the customer to complete the financial education program in order to open an account.
Not offered Each customer would be reviewed on a case by case basis.
NSF Fee Schedule & Waiver Policy
$35.00 for OD/NSF (maximum 4 charges per day) /No Charge if less than $10.00/ Decline All Setting is available for Debit Card purchases
The first NSF is waived as a client courtesy. After that NSF charges are $32.00.
See contents of policy
$30.00 fee. Waiving is on a case by case basis.
If a client is overdrawn we charge $30.00 fir each item paid in the negative. Waiving NSF fees is not something we usually do.
Waiving NSF fees is not something we normally do. We do offer bounce protection. Fees are $35.00 per item.
$30.00 per item. We offer a first time courtesy waive.
Insufficient Funds/Overdratfs $28.00
Company Name/Location Street City State Zip Phone Bank of America
All Lee County Locations CNL Bank
Fort Myers 5220 Summerlin Commons Boulevard Fort Myers FL 33907 239.243.9097
Estero 7996 Mediterranean Drive Estero FL 33928 239.444.6120
Bonita Springs 9124 (9160) Bonita Beach Road Bonita Springs FL 34135 239.444.2860
EverBank
Fort Myers 6321 Daniels Parkway Fort Myers FL 33912 239.254.2110
FineMark National Bank & Trust
Riverwalk 12681 Creekside Lane Fort Myers FL 33919 239.461.5900
Coconut Pointe 10010 Coconut Road Bonita Springs FL 34135 239.405.6700
Florida Gulf Bank
College Pointe 9101 College Pointe Court Fort Myers FL 33919 239.332.4440
Downtown Fort Myers 2247 First Street Fort Myers FL 33901 129.332.3527
Summerlin Crossing 7580 Winkler Road Fort Myers FL 33908 239.481.2875
Daniels Falls 8870 Daniels Parkway Fort Myers FL 33912 239.225.7268
Del Prado 812 Del Prado Parkway Cape Coral FL 33990 239.985.8120
Colonial/Six Mile 8341 Dani Drive Fort Myers FL 33966 239.433.6020
Sandoval 2546 Heydon Lane Cape Coral FL 33991 239.433.6000
Coconut Pointe 23250 Via Villagio Estero FL 33928 239.985.8140
IberiaBank
Colonial Crossings 4670 Summerlin Road Fort Myers FL 33919 239.985.2664
Daniels Road 6651 Orion Drive Fort Myers FL 33912 239.225.4560
Downtown Fort Myers 2225 First Street Fort Myers FL 33901 239.344.1620
IronStone Bank
HealthPark 16700 Bass Road Fort Myers FL 33908 239.985.2200
Bell Tower 13525 Bell Tower Drive Fort Myers FL 33907 239.454.2000
Del Prado 2127 Del Prado Boulevard South Cape Coral FL 33990 239.573.8484
Bonita Springs 8891 Timberwilde Drive Bonita Springs FL 34135 239.390.0905
StoneGate Bank
All three locations would participate SunTrust Bank
Fort Myers Financial Center 12751 New Brittany Boulevard Fort Myers FL 33907 239.277.2684
Daniels Crossing 6890 Daniels Parkway Fort Myers FL 33912 239.768.2626
Gulf Coast Town Center 17100 Ben Hill Griffin Parkway Fort Myers FL 33913 293.432.0120
Island Park 16520 S. Tamiami Trail Fort Myers FL 33913 239.482.5501
Lehigh Acres 1110 Homestead Road Lehigh Acres FL 33936 239.369-2171
Metro Parkway 4415 Metro Parkway Fort Myers FL 33916 239.939-2171
San Carlos 18875 S. Tamiami Trail Fort Myers FL 33912 239.437.5200
Sanibel 2408 Periwinkle Way Sanibel FL 33957 239.472.8200
South Fort Myers 12381 S. Tamiami Trail Fort Myers FL 33907 239.936.8777
Summerlin Square 11340 Summerlin Square Drive Fort Myers FL 33931 239.454.3300
The Forum 330 Forum Boulevard Fort Myers FL 33905 239.277.5258
Chiquita 1533 W. Cape Coral Parkway Cape Coral FL 33914 239.945.8600
Coralwood 2139 Del Prado Boulevard Cape Coral FL 33904 239.574.7936
Del Prado 4532 Del Prado Boulevard S. Cape Coral FL 33904 239.542.2151
Downtown Fort Myers 2000 S. Main Street Fort Myers FL 33901 239.461.9200
Freedom Park 530 E. Cape Coral Parkway Cape Coral FL 33904 239.549.6864
Merchants Crossing 15051 N. Cleveland Avenue North Fort Myers FL 33903 239.997.2000
North 41 13901 N. Cleveland Avenue North Fort Myers FL 33903 239.995.2400
Pine Island 10202 Stringfellow Road St. James City FL 33956 239.283.1054
Punta Gorda 1225 S. Tamiami Trail Punta Gorda FL 33950 941.575.1300
Punta Gorda Isles 1107 W. Marion Avenue, Suite 119 Punta Gorda FL 33950 941.639.7100
Florida Community Bank
Fort Myers 7900 Summerlin Lakes Drive Fort Myers FL 33907 239.437.0025
Bonita Springs 3360 Bonita Beach Road Bonita Springs FL 34134 239.552.1700
Cape Coral (North) 205 Del Prado Boulevard S. Cape Coral FL 33990 239.242.2130
Immokalee 1400 N. 15th Street Immokalee FL 34142 239.657.3171
LaBelle 155 N. Bridge Street LaBelle FL 33935 863.675.1313
Lehigh Acres 1261 Homestead Road North Lehigh Acres FL 33936 239.369.5811
Naples (Golden Gate) 5240 Golden Gate Parkway Naples FL 34116 239.348.0186
Naples (Moorings) 2400 N. Tamiami Trail, #100 Naples FL 34103 239.552.1840
