  |
Deposit Products
- FREE CHECKING
- Minimum to Open $100
- Unlimited Check Writing
- No Service Charge or Minimum Balance
- Free VISA ATM/Debit Card
- Free ATM transactions at Access 1st Capital’s ATM machine(s)
- Reimbursed ATM fees from other banks (when receipts provided)
- Free Access 1st Banking (Internet banking) with bill payment services
- Emailed Statement includes Imaged Checks
- $350 Overdraft Privilege after 30 days
- REGULAR CHECKING
- Minimum to Open $100
- Unlimited Check Writing
- $500 Minimum Balance or $1,000 Average Daily Balance to Avoid Monthly Service Charge of $8.50
- Free VISA ATM/Debit Card
- Free ATM transactions at Access 1st ATM machine(s)
- Reimbursed ATM fees from other banks (when receipts provided)
- Free Access 1st Banking (Internet banking) with bill payment services
- 300 Free Stock Checks (2 boxes of 150/year)
- Emailed or Mailed Statement includes Imaged Checks
- $750 Overdraft Privilege after 30 days
- SENIOR CHECKING
- Must be 62 Years of Age or Older
- Minimum to Open $100
- Unlimited Check Writing
- Free VISA ATM Debit Card
- Free ATM transactions at Access 1st ATM machine(s)
- Reimbursed ATM fees from other banks (when receipts provided)
- Free Access 1st Banking (Internet banking) with bill payment services
- Emailed or Mailed Statement includes Imaged Checks
- 300 Free Stock Checks (2 boxes of 150/year)
- Free Cashier’s Checks
- Free Notary Services
- 50% Discount on Safe Deposit Box (maximum size 3x10)
- $350 Overdraft Privilege after 30 days
- CHECKING WITH INTEREST
- Interest Bearing Account with a Variable Rate
- Minimum to Open $1,000
- Unlimited Check Writing
- $1,500 Minimum or $2,500 Average Daily Balance to Avoid Monthly Service
- Charge of $15.00
- Free VISA ATM/Debit Card
- Free ATM transactions at Access 1st ATM machine(s)
- Reimbursed ATM fees from other banks (when receipts provided)
- Free Access 1st Banking (Internet banking) with bill payment services
- Emailed or Mailed Statement includes Imaged Checks
- $750 Overdraft Privilege after 30 days
PERSONAL SAVINGS ACCOUNTS
- SAVINGS
- Interest Bearing Account with a Variable Rate
- Minimum to Open $100
- $500 Minimum or $1,000 Average Daily Balance to Avoid Monthly Service
- Charge of $5.00 (first month waived)
- Six (6) Free Withdrawals per Quarter
- $5.00 fee assessed for each Withdrawal in excess of six per quarter
- Emailed or Mailed Statement includes Imaged Checks
- MONEY MARKET ACCOUNT
- Interest Bearing Account with a Variable Rate
- Minimum to Open $2,500
- Debit transactions limited, by regulation, to Six (6) per month, three (3) of which may be made by check, draft, debit card, or similar order
- $2,500 Minimum or $5,000 Average Collected Balance to Avoid Monthly Service Charge of $15.00
- Emailed or Mailed Statement includes Imaged Checks
- $10.00 fee assessed for each debit transaction over legal limit
- ACCESS ADVANTAGE MONEY MARKET ACCOUNT
- Interest Bearing Account with Variable Rates (tiered rates are based on collected balances)
- $50,000.00 or more earns 90 day T-Bill rate
- $25,000.00 - $49,999.99 earns 90 day T-Bill minus 1.00%
- Less than $25,000.00 earns MMDA rate
- Minimum to Open $25,000
- Debit transactions limited, by regulation, to Six (6) per month, three (3) of which may be made by check, draft, debit card, or similar order
- $25,000 Minimum or $50,000 Average Daily Balance to Avoid Monthly
- Service Charge of $15.00
- Emailed or Mailed Statement includes Imaged Checks
- $10.00 fee assessed for each debit transaction over legal limit
- CERTIFICATES OF DEPOSIT AND INDIVIDUAL RETIREMENT ACCOUNTS
- $1,000 Minimum to Open
- Subject to early withdrawal penalties
- 90 Day Certificate or IRA @ Posted Rate
- 180 Day Certificate or IRA @ Posted Rate
- 1 year Certificate or IRA @ Posted Rate
- 2 year Certificate or IRA @ Posted Rate
- 3 year Certificate or IRA @ Posted Rate
- 4 year Certificate or IRA @ Posted Rate
- 5 year Certificate or IRA @ Posted Rate
