Personal Savings Accounts
& Certificates of Deposit

See Fee Schedule Table below

Personal Savings Accounts
 

Personal Value Plus
Savings

Personal Statement
Savings

Youth
Savings

Christmas Club
Savings

Your Goal

Earn interest without an early withdrawal penalty

Start with a basic savings

Teach your child the importance of saving for the future

Save for the holidays all year

Earns Interest

Yes

Yes

Yes

Yes - See (*C)

Minimum Opening Balance

$5,000

$10

$20

$10

Minimum Daily Balance

$5,000 to avoid Minimum Balance Fee; $0 to obtain APY

$200 to avoid Minimum Balance Fee; $100 to obtain APY

$20 to avoid Minimum Balance Fee; $100 to obtain APY

$0 to obtain APY

Minimum Balance Fee

$10 or See (*A) to avoid Minimum Balance Fee

$5 or See (*A) to avoid Minimum Balance Fee

$3 or See (*A) to avoid Minimum Balance Fee

Non-applicable

Compounded and Credited Interest

Monthly

Monthly

Monthly

- Compounded annually

- Credited annually

Transfer Limits

Yes - See (*B)

Yes - See (*B)

Yes - See (*B)

Non-applicable

Monthly Statement

By Postal Service or E-Statement

By Postal Service or E-Statement

By Postal Service or E-Statement - See (*D)

By Postal Service or E-Statement

Online Banking and Telephone Banking

Available

Available

Available

Available

Terms and Conditions:

APY = Annual Percentage Yield
(All Savings Accounts) There may be no payment of accrued interest if, at time of closing, accrued interest is less than $5.
(*A) A Minimum Balance Fee will be imposed every statement period if the daily balance in the account falls below the minimum daily balance any day of the statement period. Fees may reduce earnings.
(*B) You may not make more than six (6) transfers and withdrawals from your account per statement period by means of a preauthorized or automatic transfer or telephone (including data transmission) agreement, order or instruction or by check, draft, debit card or similar order payable to third parties.
Excess Transaction Fee (over six items per statement period): $15 per item after six
(*C) If the account is closed before interest is credited, no accrued interest is paid.
(*D) In the statement period the minor becomes 18 years old, the account will convert to a Personal Statement Savings Account and will follow the terms and conditions of that account type.
 

Fee Schedule

Account Balancing Assistance - per hour

$25.00

Account Closing Within 180 days

$25.00

Account Research - per hour

$25.00

Continuous Overdraft Fee After 5 Business Days *

$3.00

Debit Card PIN Replacement - Each

$10.00

Debit Card Replacement - Each

$10.00

Debit Card Rush Order - Each

$15.00

Deposited Items Returned Unpaid - Each

$10.00

Excess Transactions Fee - Money Market & Savings **

$15.00

Levy / Garnishment - Each

$40.00

Money Order - Each

$5.00

Overdraft Fees - Each

$35.00

Returned Items Fees - Each

$35.00

Special Statement - Each

$25.00

Statement Copy - Each

$5.00

Stop Payments - Each

$31.00

Sweep Fee - Each

$5.00

Wire Transfers - Domestic Outgoing - Each

$25.00

Wire Transfers - Foreign Outgoing - Each

$55.00

Wire Transfers - Incoming - Each

$18.00

Additional Fees and Terms:

An Overdraft Fee applies to overdrafts created by check, in-person withdrawal or other electronic means.
* A Continuous Overdraft Fee of $3.00 will be applied each business day after 5 consecutive business days in which the account is overdrawn.
** You may not make more than six (6) transfers and withdrawals from your account per statement period by means of a preauthorized or automatic transfer or telephone (including data transmission) agreement, order or instruction or by check, draft, debit card or similar order payable to third parties. Excess Transactions Fee (over six items per statement period): $15 per item after six

Certificates of Deposit

Various rates and terms available. Call 1-800-326-4424 for rate quotes.