Money Orders
Available to our customers only in amounts up to $1,000.00.
Available to our customers only in amounts up to $1,000.00.
WELCOME to all Weymouth and Equitable Cooperative Bank Customers. Please take a moment to look around at our new user friendly and interactive website. As Always if you have any questions please do not hesitate to contact us at 781-337-8000.
MINIMUM BALANCE TO OPEN THE ACCOUNT:
You must deposit $50.00 to open this account.
RELATIONSHIP PRICING:
The Business VIP Checking account is a non interest bearing transaction account designed to reward you with certain benefits, including no monthly maintenance fee, if you maintain a daily Relationship Balance with us of $750,000.00 or more. Relationship Balance is defined as the total of all of your other personal and business Equitable Bank (“Bank”) deposit and loan account balances, on which you are either the named tax reporting owner or an additional owner. In addition, Equitable Bank may aggregate the balances from other accounts that you are related to as a miscellaneous owner. The decision to aggregate these account(s) to your Relationship Balance will be done at the sole discretion of the Bank.
CALCULATION OF RELATIONSHIP BALANCE:
Your relationship balance consists of the following: the previous month average balance of your Business VIP Checking account, plus the previous month average balance of your other aggregated deposit account(s), plus the current balance of your aggregated loan account(s).
MINIMUM BALANCE TO AVOID IMPOSITION OF FEES:
A service fee of $6.00, $.10 per check paid, $.50 per deposit and $.05 per item deposited will be imposed every statement cycle if the Relationship Balance falls below $750,000.00 at any point during the statement cycle. Please note you may also forfeit other benefits if your Relationship Balance falls below $750,000.00.
CONVERSION OF AN EXISTING Equitable BANK BUSINESS CHECKING ACCOUNT OT A BUSINESS VIP CHECKING ACCOUNT:
If you convert your existing Equitable Bank business checking account to a Business VIP Checking Account during any statement period, you will not incur monthly service fees (as described in the preceding paragraph) during the conversion statement cycle provided that your relationship balance at the time the account is converted is at least $750,000.00. Your relationship balance must remain at this level at all times during the conversion statement cycle and subsequent statement cycles to avoid the imposition of service fees, as described above, to your Business VIP Checking account.
PREFERRED VIP CERTIFICATE OF DEPOSIT INTEREST RATES:
If your Relationship Balance is $750,000.00 or more you will be eligible to receive a preferred VIP interest rate on select certificate of deposit (CD’s) accounts, excluding the Indexed Certificate of Deposit. This benefit applies to new CD’s as well as rollovers. If your Relationship Balance is below $750,000.00 at the time you open or roll over your CD, you will not be eligible for the preferred VIP interest rate.
ATM SERVICE CHARGES:
Business VIP Checking account holders will not be assessed a fee by Equitable Bank for the first five (5) foreign (non Equitable Bank ATMs) ATM transactions conducted on their account (not per ATM/Debit card) per statement cycle. Foreign ATM transactions exceeding five (5) will be assessed a $1.00 service fee per transaction. This service fee is in addition to the fee (surcharge) that may be assessed by the owner of the ATM. If your Relationship Balance falls below $750,000.00 at any time during the statement period you will be charged a foreign ATM transaction fee for all foreign ATM transactions conducted during the statement period.
PREFERRED VIP LOAN INTEREST RATE:
Business VIP Checking account holders will receive a .25% discount from the standard commercial and industrial term loan rate. All commercial and industrial term loans are subject to our normal underwriting criteria. In addition to maintaining a relationship balance of $750,000.00 you must have the payment for your commercial and industrial term loan automatically deducted from your Business VIP Checking account. If your Relationship Balance is below $750,000.00 at the time you submit your application you will not be eligible for the preferred VIP commercial and industrial term loan interest rate.
NO FEE MONEY ORDERS AND TREASURER’S CHECKS:
Business VIP Checking account holders are eligible to receive no fee money orders and treasurer’s checks. Customers must identify themselves as VIP account holders to the Equitable Bank employee processing their transaction to receive this benefit.
PAYROLL AND EASY CHOICE HR® SERVICES BY PAY CHOICE®
Business VIP Checking account holders are eligible to receive discounted pricing for payroll services through Pay Choice® and a three (3) month no cost subscription to Easy Choice HR® Services by Pay Choice®. The details of discounted pricing and the no cost three (3) month subscription will be provided by a Pay Choice® representative.
MINIMUM BALANCE TO OPEN THE ACCOUNT:
You must deposit $50.00 to open this account.
RELATIONSHIP PRICING:
The Business Gold Checking account is a non interest bearing transaction account designed to reward you with certain benefits, including no monthly maintenance fee, if you maintain a daily Relationship Balance with us of $5,000.00 or more. Relationship Balance is defined as the total of all of your other personal and business Equitable Bank (“Bank”) deposit and loan account balances, on which you are either the named tax reporting owner or an additional owner. In addition, Equitable Bank may aggregate the balances from other accounts that you are related to as a miscellaneous owner. The decision to aggregate these account(s) to your Relationship Balance will be done at the sole discretion of the Bank.
CALCULATION OF RELATIONSHIP BALANCE:
Your relationship balance consists of the following: the previous month average balance of your Business Gold Checking account, plus the previous month average balance of your other aggregated deposit account(s), plus the current balance of your aggregated loan account(s).
MINIMUM BALANCE TO AVOID IMPOSITION OF FEES:
A service fee of $6.00, $.10 per check paid, $.50 per deposit and $.05 per item deposited will be imposed every statement cycle if the Relationship Balance falls below $5,000.00 at any point during the statement cycle. Please note you may also forfeit other benefits if your Relationship Balance falls below $5,000.00.
CONVERSION OF AN EXISTING Equitable BANK BUSINESS CHECKING ACCOUNT OT A BUSINESS GOLD CHECKING ACCOUNT:
If you convert your existing Equitable Bank business checking account to a Business Gold Checking Account during any statement period, you will not incur monthly service fees (as described in the preceding paragraph) during the conversion statement cycle provided that your relationship balance at the time the account is converted is at least $5,000.00. Your relationship balance must remain at this level at all times during the conversion statement cycle and subsequent statement cycles to avoid the imposition of service fees, as described above, to your Business Gold Checking account.
PREFERRED VIP CERTIFICATE OF DEPOSIT INTEREST RATES:
If your Relationship Balance is $5,000.00 or more you will be eligible to receive a preferred Gold interest rate on select certificate of deposit (CD’s) accounts, excluding the Indexed Certificate of Deposit. This benefit applies to new CD’s as well as rollovers. If your Relationship Balance is below $5,000.00 at the time you open or roll over your CD, you will not be eligible for the preferred Gold interest rate.
ATM SERVICE CHARGES:
Business Gold Checking account holders will not be assessed a fee by Equitable Bank for the first five (5) foreign (non Equitable Bank ATMs) ATM transactions conducted on their account (not per ATM/Debit card) per statement cycle. Foreign ATM transactions exceeding five (5) will be assessed a $1.00 service fee per transaction. This service fee is in addition to the fee (surcharge) that may be assessed by the owner of the ATM. If your Relationship Balance falls below $5,000.00 at any time during the statement period you will be charged a foreign ATM transaction fee for all foreign ATM transactions conducted during the statement period.
PREFERRED GOLD LOAN INTEREST RATE:
Business Gold Checking account holders will receive a .25% discount from the standard commercial and industrial term loan rate. All commercial and industrial term loans are subject to our normal underwriting criteria. In addition to maintaining a relationship balance of $5,000.00 you must have the payment for your commercial and industrial term loan automatically deducted from your Business Gold Checking account. If your Relationship Balance is below $5,000.00 at the time you submit your application you will not be eligible for the preferred Gold commercial and industrial term loan interest rate.
NO FEE MONEY ORDERS AND TREASURER’S CHECKS:
Business Gold Checking account holders are eligible to receive no fee money orders and treasurer’s checks. Customers must identify themselves as Gold account holders to the Equitable Bank employee processing their transaction to receive this benefit.
PAYROLL AND EASY CHOICE HR® SERVICES BY PAY CHOICE®
Business Gold Checking account holders are eligible to receive discounted pricing for payroll services through Pay Choice® and a three (3) month no cost subscription to Easy Choice HR® Services by Pay Choice®. The details of discounted pricing and the no cost three (3) month subscription will be provided by a Pay Choice® representative.
Minimum opening deposit is $50.00
Other fees such as NSF, overdraft, etc may apply see fee schedule for details.
Transaction items include all debits and credits. If the Free Business account exceeds 1,000 free monthly transactions, the account may be converted to Commercial Checking.
A Service fee of $6.00, 10 cents per check paid, 50 cents per deposit, and 5 cents per item will be imposed if the balance falls below $5,000.00 at any point during the statement cycle. Other benefits may be forfeited if balance falls below $5,000.00 during the statement cycle. Balance must remain at $5,000. To avoid monthly fee while converting accounts to Business Gold Checking. Relationship balances may be the total of all personal and business deposits and loan balances on accounts where holder is lasted as the tax reporting owner. Aggregated balances are determined at the discretion of the bank. Restrictions apply.
$10,000.00 currency deposited includes coin and currency. Just $1.50 per $1,000 deposited over $10,000.00
Equitable Bank will not charge a fee for using other institutions’ ATMs. Other institutions may impose a surcharge fee for using their ATMs that are not part of the Allpoint or SUM networks.
Free gift may be reported on a 1099-int or 1099 MISC. Free gift provided at the time of account opening.
Minimum opening deposit is $50.00
Other fees such as NSF, overdraft, etc may apply see fee schedule for details.
Transaction items include all debits and credits. If the Free Business account exceeds 1,000 free monthly transactions, the account may be converted to Commercial Checking.
$10,000.00 currency deposited includes coin and currency. Just $1.50 per $1,000 deposited over $10,000.00
Equitable Bank will not charge a fee for using other institutions’ ATMs. Other institutions may impose a surcharge fee for using their ATMs that are not part of the Allpoint or SUM networks.
Free gift may be reported on a 1099-int or 1099 MISC. Free gift provided at the time of account opening
True Relationship Banking with the benefits you want. Maintain a relationship balance of $750,000.00 in all your deposit and loan accounts and in addition to the great features already listed you will receive the following benefits.
MINIMUM BALANCE TO OPEN THE ACCOUNT You must deposit $50.00 to open this account.
RELATIONSHIP PRICING
The VIP Checking account is an interest bearing transaction account designed to reward you with certain benefits, including no monthly maintenance fee, if you maintain a daily Relationship Balance with us of $750,000.00 or more. Relationship Balance is defined as the total of all of your other personal and business deposit and loan account balances, on which you are either the named tax reporting owner or an additional owner. In addition, we may aggregate the balances from other accounts that you are related to as a miscellaneous owner. The decision to aggregate these account(s) to your Relationship Balance will be done at the sole discretion of the Bank.
RATE INFORMATION
Your interest rate and annual percentage yield may change
FREQUENCY OF RATE CHANGES
We May change the interest rate on your account at any time.
COMPOUNDING AND CREDITING
Interest will be compounded daily and will be credited to your account monthly.
EFFECT OF CLOSING AN ACCOUNT
If you close your account before interest is credited, you will not receive the accrued interest.
INTEREST RATE AND ANNUAL PERCENTAGE YEILD
See current rate sheet for rate and annual percentage yield (APY) information
MINIMUM BALANCE TO OBTAIN THE ANNUAL PERCENTAGE YIELD DISCLOSED
You must maintain a minimum daily balance of $25.00 in the account each day to obtain the annual percentage yield. You will earn interest every day during the period that your account equals or exceeds the minimum daily balance requirements.
DAILY BALANCE COMPUTATION METHOD
We use the daily computation balance method to calculate interest on your account. This method applies a daily periodic rate to the principal in the account each day.
ACCRUAL ON NON-CASH DEPOSITS
Interest begins to accrue on the business day you deposit non-cash items (Example: checks).
CALCULATION OF RELATIONSHIP BALANCE
Your relationship balance is calculated by adding the previous month average balance of your Retail VIP Checking account, plus the previous month average balance of your other aggregated deposit account(s), plus the current balance of your aggregated loan account(s).
MINIMUM BALANCE TO AVOID IMPOSITION OF FEES
A maintenance service charge of $30.00 will be imposed every statement cycle if the Relationship Balance falls below $750,000.00 at any point during the statement period. Please note you may also forfeit other benefits if your Relationship balance falls below $750,000.00.
Please refer to the separate fee schedule provided to you with this disclosure for information about fees and charges associated with this account. A fee schedule will be provided to you at the time you open an account, periodically when fees or charges change, and upon request.
CONVERSION OF AN EXISTING EQUITABLE BANK CHECKING ACCOUNT OT A RETAIL VIP CHECKING ACCOUNT
If you convert your existing Equitable Bank checking account to a Retail VIP Checking Account during any statement period, you will not incur monthly service fee during the conversion statement cycle provided that your Relationship Balance at the time the account is converted is at least $750,000.00. Your Relationship Balance must remain at this level at all times during the conversion statement cycle and subsequent statement cycles to avoid the imposition of the monthly maintenance fee.
PREFERRED VIP CERTIFICATE OF DEPOSIT INTEREST RATES
If your Relationship Balance is $750,000.00 or more you will be eligible to receive a preferred interest rate on select certificate of deposit (CD’s) accounts. This benefit applies to new CD’s as well as rollovers. If your Relationship Balance is below $750,000.00 at the time you open or rollover your CD, you will not be eligible for the preferred VIP interest rate.
PREFFERRED VIP CONSUMER LOAN INTEREST RATES
Retail VIP Checking account holders will receive a .25% discount from the standard consumer loan rate for the following consumer loan types: new and used automobile loans, unsecured personal loans, loans secured by deposit accounts and overdraft protection plan. All consumer loans are subject to normal underwriting criteria. In addition to maintaining a relationship balance of $5,000.00 you must have the payment for your consumer loan automatically deducted from your Retail VIP Checking Account. If your Relationship Balance is below $750,000.00 at the time you submit your application you will not be eligible for Preferred VIP consumer loan rate.
NO FEE MONEY ORDERS AND TREASURER’S CHECKS
Retail VIP Checking account holders are eligible to receive no fee money orders and treasurer’s checks. Customers must identify themselves as VIP account holders to the Equitable Bank employee processing their transaction to receive this benefit.
VIP ACCOUNT CHECKS
Retail VIP Checking Account holders are eligible to receive standard VIP Account Checks at no cost during the life of their Retail VIP Checking Account. Check orders are limited to one (1) order of 200 standard VIP Account checks in each twelve (12) month period.
PROCESSING ORDER
All credit transactions are processed first. Debits or withdrawals from your account will be processed in the order they are received.
BONUSES
You will receive a free gift as a bonus at account opening, the value of the gift is considered a bonus. Bonuses may be reported as interest on Form 1099-INT in the year received.
This account is for customers who have a qualifying transaction each month such as a Direct Deposit or an Automatic Payment. Customers that qualify for this account and maintain the minimum balance requirements will earn interest.
ELIGIBILITY REQUIREMENTS You must receive a Direct Deposit to this account each statement cycle or have an automatic payment made from this account each statement cycle.
VARIABLE RATE INFORMATION
See current rate sheet for rate and annual percentage yield (APY) information. Your interest rate and annual percentage yield may change.
DETERMINATION OF RATE
At our discretion, we may change the interest rate on your account.
FREQUENCY OF RATE CHANGES
We May change the interest rate on your account at any time.
LIMITATIONS ON RATE CHANGES
There are not maximum or minimum interest rate limits for this account
COMPOUNDING AND CREDITING
Interest will be compounded daily and will be credited monthly. If you close your account before interest is credited, you will not receive the accrued interest.
MINIMUM BALANCE REQUIREMENTS You must deposit $50.00 to open this account. You must maintain a minimum daily balance of $25.00 in the account each day to obtain the annual percentage yield. You will earn interest every day during the period that your account equals or exceeds the minimum daily balance requirements. A maintenance service charge of $6.00 will be imposed every statement cycle if the minimum balance in the account falls below $1,500.00 at any time during the statement cycle.
PROCESSING ORDER
All credit transactions are processed first. Debits or withdrawals from your account will be processed in the order they are received.
BALANCE COMPUTATION METHOD
We use the daily balance method to calculate interest on your account. This method applies a daily periodic rate to the principal in the account each day.
ACCRUAL ON NON-CASH DEPOSITS
Interest begins to accrue on the business day you deposit non-cash items ( Example: checks).
FEES AND CHARGES
Please refer to the separate fee schedule provided to you with this disclosure for information about fees and charges associated with this account. A fee schedule will be provided to you at the time you open an account, periodically when fees or charges change, and upon request.
TRANSACTION LIMITATIONS
No transaction limitations apply to this account.
BONUSES
You will receive a free gift as a bonus at account opening, the value of the gift is considered a bonus. Bonuses may be reported as interest on Form 1099-INT in the year received.
True Relationship Banking with the benefits you want. Maintain a relationship balance of just $5,000.00 in all of your deposit and loan accounts and in Addition to the great features already listed you will receive the following benefits:
MINIMUM BALANCE TO OPEN THE ACCOUNT:
You must deposit $50.00 to open this account.
RELATIONSHIP PRICING:
The Retail Gold Checking account is an interest bearing transaction account designed to reward you with certain benefits, including no monthly maintenance fee, if you maintain a daily Relationship Balance with us of $5,000.00 or more. Relationship Balance is defined as the total of all of your other personal and business deposit and loan account balances on which you are either the named tax reporting owner or an additional owner. In addition, we may aggregate the balances from other accounts that you are related to as a miscellaneous owner. The decision to aggregate these account(s) to your Relationship Balance will be done at the sole discretion of the Bank.
RATE INFORMATION
Your interest rate and annual percentage yield may change.
FREQUENCY OF RATE CHANGES
We may change the interest rate on your account every day.
DETERMINATION OF RATE
At our discretion, we may change the interest rate on your account.
COMPOUNDING AND CREDITING FREQUENCY
Interest will be compounded every day and credited to your account every month.
EFFECT OF CLOSING AN ACCOUNT
If you close your account before interest is credited, you will not receive the accrued interest.
INTEREST RATE AND ANNUAL PERCENTAGE YIELD See current rate sheet for rate and annual percentage yield (APY) information. Your interest rate and annual percentage yield may change.
MINIMUM BALANCE TO OBTAIN THE ANNUAL PERCENTAGE YIELD (APY) DISCLOSED
You must maintain a minimum balance of $25.00 in the account each day to obtain the disclosed annual percentage yield.
DAILY BALANCE COMPUTATION METHOD
We use the daily balance computation balance method to calculate the interest on your account. This method applies a daily periodic rate to the principal in the account each day.
ACCRUAL OF INTEREST ON NON-CASH DEPOSITS
Interest begins to accrue on the business day you deposit non-cash items (Example: checks).
CALCULATION OF RELATIONSHIP BALANCE
Your Relationship Balance is calculated by adding the previous month average balance of your Retail Gold Checking account, plus the previous month average balance of your other aggregated deposit account(s), plus the current balance of your aggregated loan account(s).
MINIMUM BALANCE TO AVOID IMPOSITION OF FEES
A maintenance service charge of $15.00 will be imposed every statement cycle if the Relationship Balance falls below $5,000.00 at any point during the statement cycle. Please note you may also forfeit other benefits if your Relationship Balance falls below $5,000.00. Please refer to the separate fee schedule for additional information about fees and charges associated with this account. A fee schedule will be provided to you at the time you open an account, periodically when fees or charges change, and upon request.
CONVERSION OF AN EXISTING EQUITABLE BANK CHECKING ACCOUNT TO A RETAIL GOLD CHECKING ACCOUNT
If you convert your existing Equitable Bank checking account to a Retail Gold Checking Account during any statement period, you will not incur a monthly service fee during the conversion statement cycle provided that your Relationship Balance at the time the account is converted is at least $5,000.00. Your Relationship Balance must remain at this level at all times during the conversion statement cycle and subsequent statement cycles to avoid the imposition of the monthly maintenance fee.
PREFERRED GOLD CERTIFICATE OF DEPOSIT INTEREST RATE
If your Relationship Balance is $5,000.00 or more you will be eligible to receive a preferred Gold interest rate on select certificate of deposit (CD’s) accounts. This benefit applies to new CD’s as well as rollovers. If your Relationship Balance is below $5,000.00 at the time you open or roll over your CD, you will not be eligible for the preferred Gold interest rate.
PREFERRED GOLD CONSUMER LOAN INTEREST RATE
Retail Gold Checking account holders will receive a .25% discount from the standard consumer loan rate for the following consumer loan types: New and used automobile loans, unsecured personal loans, loans secured by deposit accounts, overdraft protection plan. All consumer loans are subject to our normal underwriting criteria. In addition to maintaining a relationship balance of $5,000.00 you must have the payment for your consumer loan automatically deducted from your Retail Gold Checking account. If your Relationship Balance is below $5,000.00 at the time you submit your application you will not be eligible for the preferred Gold consumer loan interest rate.
NO FEE MONEY ORDERS AND TREASURER’S CHECKS
Retail Gold Checking account holders are eligible to receive no fee money orders and treasurer’s checks. Customers must identify themselves as Retail Gold account holders to the Equitable Bank employee processing their transaction to receive this benefit.
GOLD ACCOUNT CHECKS
Retail Gold Checking account holders are eligible to receive standard Gold Account Checks at no cost during the life of their Retail Gold Checking account. Check orders are limited to one (1) order of 200 standard Gold Account checks in each twelve (12) month period.
PROCESSING ORDER
All credit transactions are processed first. Debits or withdrawals from your account will be processed in the order they are received.
BONUSES
You will receive a free gift as a bonus at account opening, the value of the gift is considered a bonus. Bonuses may be reported as interest on Form 1099-INT in the year received.
This Account is for customers who maintain a balance of $1,500 or more in their checking accounts to earn a higher rate of interest.
TIERED VARIABLE RATE INFORMATION
See current rate sheet for rate and annual percentage yield (APY) information. Your interest rate and annual percentage yield may change.
DETERMINATION OF RATE
At our discretion, we may change the interest rate on your account.
FREQUENCY OF RATE CHANGES
We May change the interest rate on your account at any time.
LIMITATIONS ON RATE CHANGES
There are not maximum or minimum interest rate limits for this account.
COMPOUNDING AND CREDITING
Interest will be compounded daily and will be credited monthly. If you close your account before interest is credited, you will not receive the accrued interest.
MINIMUM BALANCE REQUIREMENTS
You must deposit $50.00 to open this account. You must maintain a minimum daily balance of $25.00 in the account each day to obtain the annual percentage yield. You will earn interest every day during the period that your account equals or exceeds the minimum daily balance requirements. A maintenance service charge of $6.00 will be imposed every statement cycle if the minimum balance in the account falls below $1,500 at any time during the statement cycle.
PROCESSING ORDER
All credit transactions are processed first. Debits or withdrawals from your account will be processed in the order they are received.
BALANCE COMPUTATION METHOD
We use the daily balance method to calculate interest on your account. This method applies a daily periodic rate to the principal in the account each day.
ACCRUAL ON NON-CASH DEPOSITS
Interest begins to accrue on the business day you deposit non-cash items ( Example: checks).
FEES AND CHARGES
Please refer to the separate fee schedule provided to you with this disclosure for information about fees and charges associated with this account. A fee schedule will be provided to you at the time you open an account, periodically when fees or charges change, and upon request.
TRANSACTION LIMITATIONS
No transaction limitations apply to this account.
BONUSES
You will receive a free gift as a bonus at account opening, the value of the gift is considered a bonus. Bonuses may be reported as interest on Form 1099-INT in the year received.
This account is for customers who will have at least one account owner who is 50 years of age or older. This is an interest bearing account, if you qualify for this account you and maintain the minimum balance requirements you will earn interest.
ELIGIBILITY REQUIREMENTS At least on account owner must be 50 years or older to be eligible for this account.
VARIABLE RATE INFORMATION
See current rate sheet for rate and annual percentage yield (APY) information. Your interest rate and annual percentage yield may change.
DETERMINATION OF RATE
At our discretion, we may change the interest rate on your account.
FREQUENCY OF RATE CHANGES
We May change the interest rate on your account at any time.
LIMITATIONS ON RATE CHANGES
There are not maximum or minimum interest rate limits for this account
COMPOUNDING AND CREDITING
Interest will be compounded daily and will be credited monthly. If you close your account before interest is credited, you will not receive the accrued interest.
MINIMUM BALANCE REQUIREMENTS You must deposit $50.00 to open this account. You must maintain a minimum daily balance of $25.00 in the account each day to obtain the annual percentage yield. You will earn interest every day during the period that your account equals or exceeds the minimum daily balance requirements.
PROCESSING ORDER
All credit transactions are processed first. Debits or withdrawals from your account will be processed in the order they are received.
BALANCE COMPUTATION METHOD
We use the daily balance method to calculate interest on your account. This method applies a daily periodic rate to the principal in the account each day.
ACCRUAL ON NON-CASH DEPOSITS
Interest begins to accrue on the business day you deposit non-cash items ( Example: checks).
FEES AND CHARGES
Please refer to the separate fee schedule provided to you with this disclosure for information about fees and charges associated with this account. A fee schedule will be provided to you at the time you open an account, periodically when fees or charges change, and upon request.
TRANSACTION LIMITATIONS
No transaction limitations apply to this account.
BONUSES
You will receive a free gift as a bonus at account opening, the value of the gift is considered a bonus. Bonuses may be reported as interest on Form 1099-INT in the year received.
This account is for customers who want simple, hassle-free checking. If you are concerned about fees and not about earning interest, this is a great choice.
MINIMUM BALANCE REQUIREMENTS You must deposit $50.00 to open this account.
Rate Information
This is a non-interest bearing account
PROCESSING ORDER
All credit transactions are processed first. Debits or withdrawals, from your account will be processed in the order they are received.
FEES AND CHARGES
Please refer to the separate fee schedule provided to you with this disclosure for information about fees and charges associated with this account. A fee schedule will be provided to you at the time you open an account, periodically when fees or charges change, and upon request.
TRANSACTION LIMITATIONS
No transaction limitations apply to this account.
BONUSES You will receive a free gift as a bonus at account opening, the value of the gift is considered a bonus. Bonuses may be reported as interest on Form 1099-INT in the year received.