This checking account gives you immediate access to all the money in the account by writing as many checks as you wish at any time.  If you keep a minimum balance of $2500.00 all funds in excess of this amount are at your disposal with no service charge, and you earn a competitive interest rate that is compounded daily and added to your account monthly. If the balance falls below $2500.00 there will be a fee of $7.50 per month and a transaction fee of $0.18 for each debit.