|
Personal Banking Solutions
Personal
Checking Accounts
|
Account
Name |
Description |
Min.
to Open |
Interest
Bearing |
Min.
to Avoid Fee** |
Monthly
Service Charge |
Account
Features |
|
FREE
Checking |
A
"No-frills, no-worries" account |
$100 |
No |
None |
None |
- FREE
Online Banking & Bill Pay*
-
10 FREE starter checks
- Unlimited
check writing
- Monthly
Statement
(Checks Not Returned)
- ATM/Debit
Card*****
- TeleBank24
|
|
Everyday
Checking |
A
traditional checking account perfect for frequent check writers |
$100 |
No |
$500
or $750 average daily balance |
$5******
Special Exceptions |
|
|
Interest
Checking |
An
interest bearing checking account for customers who carry
a higher balance |
$500 |
Yes |
$500
or $750 average daily balance |
$7 |
|
|
FunTimer
Checking**** |
A
no-service-charge interest bearing checking account offered
exclusively to our FunTimer members |
$100 |
Yes |
None |
None |
|
|
|
Everything
students need for college in one simple package |
** |
No |
** |
** |
|
|
Reserve
Checking***** |
A
pre-approved line of credit linked to your checking account |
** |
** |
** |
** |
|
* Bill Pay Service
is FREE provided that you pay at least one bill per
month online. Inactive Bill Pay users will be charged $4.95 per
month.
**Please refer to our Services Brochure for applicable fees, interest
rates and eligibility requirements.
***Good for a one time refund (up to $25) of a Bank of Pontiac assessed
NSF fee or stop-payment-fee or refund of a foreign ATM fee; Limit
one card per account; One time offering during life of customer
relationship; Expires 2 years from date of opening.
****Must be a FunTimer with $10,000 in combined deposits at Bank
of Pontiac and/or Bank of Dwight and subject to "Interest Checking"
requirements if $10,000 in combined desposits is not maintained.
*****Subject to approval.
******Service Charge waived for Direct Deposit (Payroll or Social
Security), Senior Citizens (age 65 & older), Students (Age 25
& under) and Charitable Organizations
Personal
Savings Accounts
|
Account
Name |
Description |
Minimum
to Open |
Interest
Bearing |
Minimum
to Avoid Fee** |
Quarterly
Service
Charge |
Account
Features |
|
Personal
Savings |
A
traditional savings plan where you can watch your money grow |
$100 |
Yes |
$100
or $250 average daily balance |
$12******
Special Exceptions |
-
FREE
Online Banking
-
ATM
Card*****
-
TeleBank24
|
|
Easy
Savers |
A
convenient way to save for a special occasion or a large purchase |
$25 |
Yes
If $25 min. balance is maintained |
$25 |
$0 |
-
FREE
Online Banking
-
TeleBank24
- One
withdrawal allowed during account cycle
|
|
|
A
savings plan for medical expenses if you have a High Deductible
Health Plan |
$100 |
Yes
|
$25
annual fee |
$0 |
|
*****Subject
to approval.
******Service
charge waived for Senior Citizens(age 65 or older), Students (age
25 and under), Minors (age 18 and under) and Charitable Organizations.
Money Market Accounts
|
Account
|
Name |
Minimum
to Open |
Interest
Bearing |
Minimum
to Avoid Fee** |
Monthy
Service Charge |
Account
Features |
|
Money
Market |
A
savings plan offering a return on your investment, easy access
to your cash & limited check writing
|
$1,000 |
Yes |
$1000 |
$7 |
|
|
Investment
Money Market |
A
tiered money market account paying a higher rate of interest
as your balance increases |
$5,000 |
Yes |
$5,000 |
$12 |
- FREE
Online Banking & Bill Pay*
-
TeleBank24
- Checks/images
returned with statement
|
* Bill Pay Service
is FREE provided that you pay at least one bill per
month online. Inactive Bill Pay users will be charged $4.95 per month. |
