This fee free checking account has no minimum balance requirement and no transaction limitations.  It’s perfect for members who may not choose to maintain a balance of at least $250.00.  Please note that there is a check negotiation fee assessed when the aggregate balance in all account types in less than $250.00 and the member has no other qualifying Ripco relationship (loans, credit cards).   For a complete schedule of our service charges, click here   To see additional terms and conditions, please click here to review our Truth in Savings disclosure – Important Account Information for our Members.