|
Minimum
To Open |
|
|
|
$100 |
|
|
Checks |
Free first order
of basic style checks**
|
Free basic style checks** |
Charge
|
Charge
|
Charge |
|
Interest |
N/A |
Minimum daily
balances over $100 |
Minimum daily
balances over $100 |
Tiered Money Market rate for balances
over $2500 |
Tiered Money Market rate for balances
over $100
|
|
Monthly Service
Charge |
$5
Minimum balance of $300 or linked to SmartSaver to avoid Service Charge
|
None
|
$12
Minimum balance of
$500 or Direct Deposit to avoid
Service Charge
|
$15
Minimum balance of
$2,500 to avoid
Service Charge |
$15
Minimum balance of
$1,000 to avoid
Service Charge |
|
Transaction Limits |
Unlimited |
Unlimited |
Unlimited |
Unlimited |
Limit of 6 external
transfers per cycle |
|
Value Added
Benefits
***
|
|
Free
Spencer Online
|
|
Free Bill Pay
|
|
Free ATM/VISA®
Check Card
|
|
eStatements
|
|
Overdraft Protection
|
|
Free
Spencer Online |
Free Bill Pay |
Free ATM/VISA®
Check Card |
eStatements |
Overdraft Protection |
Safe Deposit Discount (10%) |
Premium CD Pricing (.10%) |
|
| |
|
|
Free
Spencer Online
|
|
Free Bill Pay
|
|
Free ATM/VISA®
Check Card
|
|
ATM
Rebates
with
Direct Deposit
(Monthly limit of $8)
|
|
eStatements
|
|
Overdraft Protection
|
Safe Deposit Discount (10%) |
Premium CD Pricing (.25%) |
Loan Discount
($100 one time fee waiver) |
|
Free
Spencer Online |
Free Bill Pay |
|
Free ATM/VISA®
Check Card
|
|
ATM
Rebates
with
Direct Deposit
(Monthly limit of $16)
|
|
eStatements
|
|
Overdraft Protection
|
|
Safe Deposit Discount (25%)
|
|
Premium CD Pricing (.25%) |
Loan Discount
($100 one time fee waiver) |
|
|
Free Spencer Online
|
|
Free ATM Card
|
|
eStatements
|
|
Equal Housing Lender | Member FDIC | Spencer Savings Bank