Nirvana Checking
Comparisons based on available online and in-branch information as of 06/26/06


UTAH FIRST
NIRVANA CHECKING
UTAH FIRST
BASIC CHECKING
WASHINGTON MUTUAL
FREE CHECKING
ZIONS BANK
FREE CHECKING
AMERICA FIRST
CHECKING
MOUNTAIN AMERICA
CHECKING
DIRECT DEPOSIT REQUIRED
YES
NO
NO
NO
NO
NO
FREE & EASY SWITCHING
YES
YES
NO
NO
NO
NO
FREE VISA® DEBIT CARD
YES
YES
YES
YES
YES
YES
ZERO LIABILITY ON DEBIT CARD
YES
YES
YES
YES
YES
YES
FREE ONLINE BANKING
YES
YES
YES
YES
YES
YES
FREE ONLINE BILL PAYMENT
YES
YES
YES
YES
YES
YES
FREE E-STATEMENTS
YES
YES
YES
YES
YES
YES
FREE ONLINE CHECK IMAGES
YES
YES
YES
NO
YES
YES
FREE QUICKEN / MONEY / QUICKBOOKS DOWNLOADS
YES
YES
YES
YES
NO
NO
FREE EMAIL ALERTS
YES
YES
YES
YES
YES
YES
25,000+ FREE CO-OP ATM ACCESS
YES
YES
NO
NO
YES
YES
FREE 24/7 TELEPHONE BANKING
YES
YES
YES
YES
YES
YES
FREE OPEN-BY-PHONE ACCESS
YES
YES
NO
NO
YES
YES
NO MINIMUM BALANCE
YES
YES
YES
YES
YES
YES
UNLIMITED CHECK WRITING
YES
YES
YES
YES
YES
YES
NO MONTHLY SERVICE FEE
YES
YES
YES
YES
YES
YES
NO MINIMUM OPENING BALANCE
YES
YES
NO
NO
NO
NO
FREE CHECKS FOR LIFE
YES
NO
YES
NO
NO
NO
EASY INTEREST
YES
NO
NO
NO
YES
NO
PRIVATE LETTER SALES
YES
NO
NO
NO
NO
NO
FREE FINANCIAL CHECKUP
YES
NO
NO
YES
NO
NO
EXTRA, EXTRA LOW FEES
YES
YES
NO
NO
NO
NO
LIVE ONLINE BANK TO BANK TRANSFERS (IN & OUT)
YES
YES
NO
NO
NO
NO
DEBIT CARD REWARDS
YES
NO
YES
NO
NO
NO
FREE ID THEFT RESOLUTION SERVICE
YES
NO
NO
NO
NO
YES
FREE NON-UFCU ATM CASH WITHDRAWAL
YES
NO
YES
NO
NO
NO
FREE MONEY ORDERS
YES
NO
NO
NO
NO
NO
FREE CASHIER'S CHECKS
YES
NO
NO
NO
NO
NO
FREE TRAVELERS CHEQUES
YES
NO
NO
NO
NO
NO
FREE TRAVELERS CHEQUES FOR TWO
YES
NO
NO
NO
NO
NO
FREE NOTARY SERVICES
YES
YES
NO
NO
YES
YES
FREE OUTGOING DOMESTIC WIRES
YES
NO
YES
NO
NO
NO