title = "Checking Account Services"

content = """
Checking accounts form the cornerstone of most banking relationships. Understanding
the full range of services and features associated with checking products enables
customer service representatives to maximize value for account holders.

**Debit Card Services:** All checking accounts include a Visa debit card for
purchases and ATM access. Cards can be used at over 55,000 fee-free ATMs
nationwide through the Allpoint network. Daily purchase limits are $2,500;
ATM withdrawal limits are $500. Cards can be instantly issued at branches for
replacement of lost or stolen cards.

**Online Bill Pay:** Free electronic payment service included with all checking
accounts. Customers can schedule one-time or recurring payments to merchants
and individuals. Payments sent electronically typically arrive within 1-2
business days; paper checks sent by the bank may take 3-5 business days.

**Mobile Check Deposit:** Available through the Silvergate mobile app. Customers
can deposit checks by photographing front and back endorsements. Daily deposit
limit is $5,000; monthly limit is $20,000. Funds availability follows standard
Reg CC holds based on customer history and check amount.

**Overdraft Protection Options:** Customers can link a savings account or line
of credit for automatic overdraft coverage. Transfers occur in $100 increments
when available funds are insufficient. Linked account transfers cost $12 per
transfer, significantly less than standard overdraft fees.

**Account Alerts:** Customers can configure text or email notifications for
low balances, large transactions, failed login attempts, and payment due dates.
Alerts help customers monitor account activity and prevent overdrafts.

**Stop Payments:** Customers may request stop payments on checks they have
written but wish to prevent from clearing. Fee is $30 for Essential Checking,
waived for Premier Checking. Stop payments remain effective for 6 months and
can be renewed.

**Cashier's Checks:** Guaranteed funds instruments available for a $10 fee
(Essential) or free (Premier). Useful for large purchases requiring guaranteed
funds, such as vehicle purchases or rental deposits. Issued same-day at branches
with proper identification.
"""  # noqa: E501

version = "0.0.1"
