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Your Access Checking

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!

Account Opening, Closing and Usage


Minimum Deposit to Open

$50.00

Monthly Maintenance Fee

$13.00

Options to Waive Monthly Maintenance Fee?

Activity Fee?

Yes

$10.00

$2.00 discount applies with eStatements AND


suppression of paper statement

$1,000 minimum Ledger Balance each day OR


One direct deposit of at least $250 per statement cycle OR
Be a full time student up to the age of 26 OR
Be a business Owner with a Comerica business checking Account OR
Be an Active or Retired U.S. military personnel (must show valid Military ID) OR
Be a member of a Comerica Platinum Circle Checking household and
designated by the Account owner as the one Access Checking Account free
of monthly maintenance fees.

Quarterly.

Options to Waive Activity Fee?

Yes

Pays Interest?

No

Complimentary Statement Savings?

Yes

A Statement Savings Account with no monthly maintenance fee.

Comerica Web Banking and Comerica Web Bill Pay?

Yes

No monthly fee for Comerica Web Banking. The Comerica


Web Bill Pay fee of $6.95/month is waived with direct deposit.

Comerica Mobile Banking?

Yes

No monthly fee.

Refund of the Comerica ATM fee for using a


non-Comerica ATM in the U.S.?

No

Refund of the ATM owner surcharge fee charged by the


ATM owner for using a non-Comerica ATM in the U.S.?

No

Check Order Discount?

No

Check Return Options?

Yes

Account Closing Fee

$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.

Free Check Safekeeping.


If closed within 6 months of opening.

Additional Account Benefits1


Comerica Home Equity FlexLine

Cannot be combined with any other offers or promotions.


Autopay must be established at the time of loan approval.

1
2

Waiver of the first year annual $65 fee.


A 0.25% APR discount on a Comerica Home Equity FlexLine
when using autopay from your Access Checking Account2.

Your Access Checking Account Guide* (Continued)

Overdraft and Returned Item Fees


Fees for using your account when you dont have enough money in it or its already overdrawn
Overdraft Fee (item paid)
1st Occurrence
2nd-4th Occurrence
5th or Greater

$25.00
$33.00
$37.00

Non-Sufcient Funds (NSF) / Returned Item Fee


1st Occurrence
2nd-4th Occurrence
5th or Greater

$25.00
$33.00
$37.00

Continuous Overdraft Fee


(in addition to any applicable overdraft fee)
Automatic Overdraft Protection (if enrolled)
1st-4th Occurrence
5th-7th Occurrence
8th or Greater

$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).

Debit Card Overdraft Services


Option 1 (default)
Standard Overdraft Service

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.

Other Common Fees


Cashiers Check

$10.00

Each.

Copy of Item/Statement

$5.00

Each.

Return Deposited Item

$12.00

Per item that you deposit that is returned unpaid.

Stop payment

$34.00

Per item. Valid for 6 months.

International ACH Fee

$1.00

Per item.

Incoming Wire Transfers


Domestic
International
Book Transfer

$12.00
$15.00
$6.00

Per wire.
Per wire.
Per wire (internally processed transfer between two Comerica accounts). Some restrictions apply.

Your Access Checking Account Guide* (Continued)

Other Common Fees (continued)


Outgoing Wire Transfers
Domestic non-repetitive

$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

Per transaction. $1.00 minimum.


Per card.

Check /ATM Cards issued by Comerica Bank


Withdrawal/Balance Inquiry/Transfer Between
Accounts at non-Comerica ATMs3 in the U.S.
International (non-U.S.) ATM Transaction Fee
International (non-U.S.) Point-of-Sale
Transaction Fee
Replacement Card Fee**
3

A surcharge fee charged by the ATM owner may apply in addition to Comerica ATM fees **Expedited delivery upon request charges vary.

How Deposits and Withdrawals are Processed


Posting Order the order
in which your deposits and
withdrawals are processed

Our usual posting order each business day is:


First: Add all the credits to your account, such as deposits, incoming wire transfer deposits, ACH direct deposits, ATM deposits and
cash deposits, from highest to lowest dollar amount.
Second: Subtract all error resolution withdrawal entries, then any fees owed and then wire transfer withdrawals from highest to
lowest dollar amount.
Third: Subtract all ATM, Check Card and customer electronic and interactive voice response (IVR) telephone transfers between your
eligible Comerica deposit accounts in chronological order; however, if we cannot tell when the transactions occurred, for example,
there is no date and/or time stamp, then they are posted from lowest to highest dollar amount.
Fourth: Subtract all other withdrawal items, such as checks, online bill payments, teller withdrawals and in-person (non-IVR)
transfers, in order from highest to lowest dollar amounts.

Deposit Availability

Deposits made with a Teller


Generally:
if you deposit cash through a banking center teller, your funds are immediately available.
if you deposit checks drawn on Comerica Bank through a banking center teller, then your funds are available on the same business day4.
if you deposit checks not drawn on Comerica Bank, then your funds are available on the rst business day4 after we receive your deposit.
Direct Deposits
Generally:
if you receive an electronic direct deposit, then your funds are available on the same business day4 we receive your deposit.
Deposits made at an ATM
Generally:
if the deposit is under $200, the entire deposit amount would be available immediately.
if the deposit is over $200, the rst $200 of the deposit is available immediately, and the remainder is then available on the
second business day4 after the business day4 of deposit, regardless of item deposited.
Longer delays may apply,
In some cases funds from your deposited checks may be delayed up to 7 business days.
In cases where your account has been opened less than 30 days funds from your deposits may be delayed as set forth in the
Funds Availability Policy.

A business day is every day except Saturdays, Sunday and federal holidays.

Your Access Checking Account Guide* (Continued)

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.

Open an Account Or Ask Questions


Online

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

Comerica Bank NMLS #480990

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