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Advantage Elite

  • Minimum Balance to Open - $1,000.00
  • Minimum Balance Fee of $7.00 will be charged if the daily balance falls below $1,000.00 any day of the statement cycle.
  • Maintain a minimum balance of $1,000.00 in the account each day to obtain annual percentage yield.
  • A Debit Item Charge of $0.20 will be imposed for each debit transaction (withdrawal, check paid, automatic transfer, or payment out of your account) if the balance in the account falls below $1,000.00 any day of the statement cycle.
  • At our discretion, the interest rate and annual percentage yield may change at any time -please contact us for available rates.
  • Additional interest may be added to your account by using the following services.  You must maintain a minimum balance of $1,000.00 each day to obtain the additional interest rate. Interest Rate will increase in increments for accounts using the following services: Accounts maintaining one (1) electronic ACH deposit per statement cycle will receive an additional 0.05% added to the current board rate. Accounts receiving E-Statements but do not maintain one (1) electronic ACH deposit per statement cycle will receive an additional 0.10% added to the current board rate. Accounts receiving E-Statements and maintaining one (1) electronic ACH deposit per statement cycle will receive an additional 0.15% added to the current board rate.  All services must be maintained for the entire statement cycle to receive the additional interest rate.
  • Interest on your account will be compounded monthly and credited to your account monthly.
  • Use our GO ANYWHERE Debit Card at any bank's ATM, four times per month*, FREE of charge.
  • We use the daily balance method to calculate the interest on your account. This method applies a daily periodic rate to the principal in the account each day. Interest begins to accrue on the business day you deposit non-cash items (for example, checks).
  • Check printing fee may vary depending on style and quantity of checks being ordered.
  • A $2.00 service charge will be imposed to close the account if the account is open less than six (6) months.
  • A NSF (non sufficient funds) charge of $35.00 will apply to overdrafts created by check, in person withdrawals or any electronic means as applicable.

 

*A month is defined as a customers statement cycle