|
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
|
$5
Minimum balance of $300, linked to SmartSaver
or monthly 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
|
|
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
|
|
Equal Housing Lender | Member FDIC | Spencer Savings Bank