Qualified candidates must be at least 50 years old. Unlimited check writing. Imaged monthly bank statement. Free online banking and free online bill pay. Free debit card. Five foreign ATM fees waived per month. Free personalized checks for the life of the account (selected styles only).  Free notary service. Free official checks (limit 3 per month). Interest is compounded daily and credited monthly. $5 monthly service charge; waived if account maintains a minimum daily balance of $100 or a $300 average daily balance for the month. $100 minimum to open.