On April 24 Tri Counties Bank launched Perfect Choice Checking a free checking account with no monthly maintenance fees, no minimum balance requirements and the opportunity to earn 3.5 percent APY and ATM fee refunds.

In order to receive the perks, customers will need to do three things each monthly cycle:

?Make 12 check card transactions for point-of-sale purchases

?Sign up for one direct deposit coming into their account or one automated debit leaving their account

?Provide a valid email address and agree to receive the monthly bank statement online

If the Perfect Choice Checking account holder does meet the requirements, he or she will not receive the high rate of interest or ATM fee refunds for that statement period. He or she will still earn 0.10 percent APY on their balance.

There is a $100 minimum balance to open an account, but no minimum to maintain it.

The account is available for all the 57 Tri Counties bank branches.