Loading ...A limited transaction account that gives you a higher yield than a savings account.
| • $2,500 minimum opening balance | • Free Online Banking |
| • With a minimum daily balance of $2,500 or greater, no monthly service charge |
• Free Trust24 Telephone Banking |
| • $2,500 minimum daily balance required to earn interest (Interest calculated on daily balance, compounded and paid quarterly. If account is closed before interest is credited, you will not receive accrued interest.) |
• Rates vary based on account balance |
• $10 monthly service charge if minimum daily balance falls below $2,500
• Limited transaction account with a $5 per item service charge per statement cycle for any withdrawal exceeding regulatory limitations.**
Junior Savers -
For our customers under 18, this limited transaction account with no monthly service charge is a great way to start saving.
| • $ .01 minimum opening balance | |
| • No quarterly service charge | |
| • $100 minimum daily balance required to earn interest. (Interest calculated on daily balance, compounded and paid quarterly. If account is closed before interest is credited, you will not receive accrued interest.) |
Conditions & Fees
• Limited transaction account, first 6 withdrawals per statement cycle at no charge. $2 for each additional withdrawal over 6 per statement cycle.**
Statement Savings -
A limited transaction account that is a great way to help you establish a habit of saving.
| • $100 minimum opening balance | |
| • With a minimum daily balance of $100 or greater, no quarterly service charge | |
| • $100 minimum daily balance required to earn interest. (Interest calculated on daily balance, compounded and paid quarterly. If account is closed before interest is credited, you will not receive accrued interest.) |
• $10 quarterly service charge if minimum daily balance falls below $100
• Limited transaction account, first 6 withdrawals per statement cycle at no charge. $2 for each additional withdrawal over 6 per statement cycle.**
Certificate of Deposit-
Certificates of Deposit are a strong, steady part of any financial portfolio. The Bank & Trust certificates provide a safe investment with a guaranteed return and choice of maturities tailored to fit your needs.
- $2,500 minimum opening balance
- Wide range of terms
- Competitive fixed rates
- Variety of interest disposition options
Individual Retirement Account (IRA)-
An Individual Retirement Account, or IRA, is perfect when starting a new family, saving for a college education or planning for your retirement. The Bank & Trust offers three types of IRAs-traditional, SEP and Roth. All of our IRAs offer competitive rates and terms-plus, each IRA has its own tax advantages.*
- $2,500 minimum opening balance
- Tax deferred advantages
- Competitive fixed and variable rates
- No management fees
* Consult your tax advisor regarding potential tax savings.
**Regulation D limits certain types of withdrawal and transfer transactions you can make out of your savings or money market accounts to a maximum combined total of six (6) per month or statement cycle. An Excess Activity Fee may apply for each transaction that exceeds the limit. Please refer to your Account Agreement for details.