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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 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 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
Try our NEW Access-ible CD!
Do you need more flexibility from your CD?
Would you like to add more funds to your CD before its maturity?
Do you think you might need to withdraw from your CD before it matures?
- Minimum to Open $1,000
- Unlimited deposits
- One (1) withdrawal per month
- 9 month term
(Early penalty if you close the CD before maturity)
