|
Minimum
To Open |
|
|
|
$100 |
|
|
Interest |
Applied to
balances over $1
|
Tiered rates for daily balances over $100
|
Tiered rates for daily
balances over $100 |
Tiered rates for daily balances over $100
|
"Bonus Payment" at account maturity
|
|
Monthly Service
Charge |
None
|
$3
Minimum balance
of $100 to avoid
Service Charge
|
$3
Minimum balance
of $100 to avoid
Service Charge
|
$3
Minimum balance
of $100 to avoid
Service Charge
|
None
|
|
Account Requirements |
Custodial Account |
Linked to Spencer Checking |
Monthly Auto Transfers |
Spencer Online and eStatements |
|
None |
None |
|
|
Value
Added
Benefits*
|
Free
Spencer Online |
|
Convenient Passbook
|
|
Free
Spencer Checking |
Free Spencer Online |
Free Bill Pay |
Free ATM/VISA®
Check Card |
eStatements |
Overdraft Protection |
|
|
Free
Spencer Online
|
Free ATM Card |
eStatements |
|
Free
Spencer Online |
Free ATM Card |
eStatements |
|
|
Free Spencer Online
|
|
Convenient Passbook
|
|
Direct Deposit
|
|
Equal Housing Lender | Member FDIC | Spencer Savings Bank