Minimum
To Open |
|
|
|
$100 |
|
Checks |
|
Charge |
Free basic
style checks**
|
Charge
|
Charge |
Interest |
Non-interest
bearing account
|
Non-interest
bearing account |
Minimum daily
balances over $100 |
Tiered rates for minimum daily balances over $2,500 |
Tiered Money Market rate for balances over $100
|
Monthly Service
Charge |
None
|
None
|
|
$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 |
ATM Rebates
(Monthly limit of $5) |
eStatements |
Overdraft Protection
|
|
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 $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 |
|
