|
Minimum
to Open |
|
|
|
$100 |
|
|
Checks |
First Order Free,
then Charge
|
Free Basic Style |
First Order Free,
then Charge |
First Order Free,
then Charge |
Charge |
|
Interest |
N/A |
Applied to
Balances over $100 |
Applied to
Balances over $100 |
Tiered
Money Market Rates
for Balances over $2,500 |
Tiered
Money Market Rates
for Balances over $100
|
|
Service
Charge |
Free-For-Life |
No
|
$12
Minimum Balance of
$500
or
Direct Deposit
to Avoid
|
$15
Minimum Balance of
$2,500 to Avoid |
$15
Minimum Balance of $1,000 to Avoid |
|
Transaction Limits |
Unlimited |
Unlimited |
Unlimited |
Unlimited |
Limit of 6 External Transfers per Cycle; 3 of which can be Third Party Checks
|
|
Value Added
Benefits
***
|
•
|
QUICKBANKING
|
| • |
Free
Spencer Online
|
| • |
Free Bill Pay
|
| • |
Free ATM/VISA®
Check Card
|
| • |
Cash Reserve**
|
| • |
Combined Statements
|
|
|
|
•
|
QUICKBANKING
|
| • |
Free
Spencer Online
|
| • |
Free Bill Pay
|
| • |
Free ATM/VISA® Check Card
|
| • |
Cash Reserve**
|
| • |
Combined Statements
|
•
|
10% Discount on Safe Deposit
|
| • |
Premium APY
On CD (+.10%) |
| • |
Free Travelers Checks
|
|
|
|
•
|
QUICKBANKING
|
| • |
Free
Spencer Online
|
| • |
Free Bill Pay
|
| • |
Free ATM/VISA® Check Card
|
| • |
ATM
Rebates
with
Direct Deposit
(Limit
4 per month)
|
| • |
Cash Reserve**
|
| • |
Combined Statements
|
| • |
25% Discount on Safe Deposit
Box
|
| • |
Premium APY on CD (+.25%)
|
| • |
Free Travelers
Checks
|
| • |
Loan Discounts ($100 one time fee waiver) |
|
| • |
QUICKBANKING
|
| • |
Free
Spencer
Online
|
| • |
Free Bill Pay
|
| • |
Free ATM/VISA® Check Card
|
| • |
ATM
Rebates
with
Direct Deposit
(Limit
8 per month)
|
| • |
Cash Reserve**
|
| • |
Combined
Statements
|
| • |
25% Discount on
Safe Deposit Box
|
| • |
Premium APY
on CD (+.25%)
|
| • |
Free VISA®
Gift Cards
(Limit three per month) |
•
|
Loan Discounts
($100 one time fee waiver)
|
|
| • |
QUICKBANKING
|
| • |
Free
Spencer
Online
|
| • |
Free ATM Card
|
|
Equal Housing Lender | Member FDIC | Spencer Savings Bank