Minimum balance to open and maintain account: $0 $15 Fee waived with: Combined average daily balance of $25,000 or more across all Self-Help Federal Credit Union accounts (checking, savings, certificates, etc.) under a single member number. Monthly Online & Mobile Banking: Free Bill Pay Service: Free up to 20 items per month; $1 per item thereafter Mobile Deposit: Yes Free Visa Debit Card or ATM Card Checks: Cost varies with selection Transaction per month: 100 Free per month Interest-earning