Professional Documents
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A C C O U N T
G U I D E*
comerica.com
Comericas Access Checking comes with the basic features and convenience youre looking for. Available at your
fingertips will be Comerica Web Banking, Comerica Web Bill Pay, Comerica Mobile Banking and a Comerica Check or
ATM Card; all providing 24/7 access to your accounts. Plus, when you meet any one of our easy requirements, Access
Checking is available with no monthly maintenance fee. Ask us how an Access Checking account can work for you!
$50.00
$13.00
Activity Fee?
Yes
$10.00
Quarterly.
Yes
Pays Interest?
No
Yes
Yes
Yes
No monthly fee.
No
No
No
Yes
$10.00
The activity fee will be waived if at least one customer initiated transaction
posts to the Account during any of the three previous statement cycles.
1
2
$25.00
$33.00
$37.00
$25.00
$33.00
$37.00
$6.00
$7.00
$12.00
$16.00
For each item we pay. An occurrence is a day on which your account has at least one overdraft.
Occurrences are collected and used on a rolling 12-month period. You will receive no more than
5 overdraft fees per day.
For each item we do not pay. An occurrence is a day on which your account has at least one
non-sufcient funds item. Occurrences are collected and used on a rolling 12-month period.
You will receive no more than 5 non-sufcient funds fees per day.
Per day. Fee is assessed beginning on the 5th business day your account continues to remain
overdrawn and will continue for 5 consecutive business days or until the account is brought into
a positive balance, whichever is rst. Account status is determined at the end of our closing day.
Per Transfer. Automatic Overdraft Protection is available through your Statement Savings account,
MMIA, HY MMIA or Comerica Visa credit card. If a Comerica Visa credit card offered/provided by Elan
Financial Services is used as overdraft protection, Elan fees may apply (subject to credit approval).
Comerica will not approve and pay your everyday debit card and ATM transactions when you dont have enough money available. Since
everyday debit card and ATM transactions will be declined when there is not enough money available, you wont be charged a
non-sufficient funds fee.
Option 2
Enhanced Overdraft Service
Available to all customers who conrm participation (authorization). Allows for the approval of ATM and one-time Comerica Check Card
transactions when sufficient funds are not available. Paid overdrafts may be assessed overdraft fees based on Comericas fee schedule.
We pay overdrafts at our discretion, which means we do not guarantee that we will always authorize and pay any type of transaction.
$10.00
Each.
Copy of Item/Statement
$5.00
Each.
$12.00
Stop payment
$34.00
$1.00
Per item.
$12.00
$15.00
$6.00
Per wire.
Per wire.
Per wire (internally processed transfer between two Comerica accounts). Some restrictions apply.
$27.00
Domestic repetitive
$22.00
Book Transfer
International consumer
$6.00
$54.50
Per wire (wire transfers for which you key in all of the beneciary information each time you
initiate a transfer).
Per wire (wire transfers for which you sign a repetitive wire transfer form in order to
get a unique code that youll provide when calling our wire room).
Per wire (internally processed transfer between two Comerica accounts). Some restrictions apply.
Per wire.
$2.00
$5.00
Per transaction.
Per transaction.
3%
$5.00
A surcharge fee charged by the ATM owner may apply in addition to Comerica ATM fees **Expedited delivery upon request charges vary.
Deposit Availability
A business day is every day except Saturdays, Sunday and federal holidays.
Dispute Resolution
The Comerica Business and Personal Deposit Account Contract (Deposit Contract) governs your Account and by opening your Account you and we agree that if a dispute
arises regarding your Account that cannot be amicably settled either of us may require dispute resolution by Arbitration on an individual basis, waiving class action
lawsuits, and waiving our respective rights to a jury trial. If neither party requests Arbitration, we both agree the dispute will be resolved by court action without a jury,
and further, if the Account was opened in California, the dispute shall be resolved through a judicial reference proceeding. We encourage you to read the Deposit
Contract carefully, including Sections 3.09 and 3.10, which are the sections that specifically control in the event that there are disputes between us and you
that cannot be settled without litigation.
Visit comerica.com/accesschecking
In-Person
Visit us at any Comerica banking center. To nd the location nearest you, please visit comerica.com/local
By Phone
800.266.3742
800.925.2160
Eastern
Central
800.522.2265
TDD 800.822.6546
Mountain/Pacific
Hearing Impaired
*Please be aware that this information should be considered a summary and supplemental to other documents and disclosures you will receive in the course of opening and maintaining your account
relationship. Also, this information is accurate as of the date of publication. For more information on the Access Checking Account terms and conditions, please refer to the Personal Services and
Charges Brochure (Brochure) and the Comerica Business and Personal Deposit Account Contract (Contract). Comerica reserves the right to modify or change the information in this document,
the Brochure and the Contract at any time.
comerica.com
Member FDIC. Equal Opportunity Lender.
California Market CBC-4367-01 01/15