1 On 25th birthday, account automatically changes to eAccess Checking, subject to the terms and conditions, terms of service, and fees of that account. 2 BankFive will not impose an ATM fee. However, other banks may impose a surcharge for use of their ATMs. For the Student Checking account, BankFive will refund other banks' surcharges up to $10 per statement cycle. 3 Standard processing is free. Expedited processing may incur additional charges. 4 eStatements are free. Paper statements are available upon request for $1 per month.