This accont carries no minimum balance requirement or monthly maintenance fee with direct deposit.  When you open this account you are also provided with a no annual fee credit card.  Furthermore, you wil be entitled to four non-TD Banknorth or Commerce Bank ATM transactions each month for free.  You may also receive consultation  from the Bancnorth Investment Group, Inc. for free.  To open this account there is a minimum opening deoposit amount of $25.