Personal Savings Accounts
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| | Statement | Cool Kids Savings Club | Money Market Non-Rewards |
|---|---|---|---|
| Best, If You Need: | To earn interest while still having immediate access to your money | Savings account for kids up to the age of 12 with "club" membership features 1 | Offers customers higher variable rates of interest based on higher balances |
| Monthly Service Charge | $5.00 service fee every statement cycle if the account minimum balance falls below $200 on any day during the statement cycle | N/A | $20.00 service fee every statement cycle, if the account falls below minimum any day during statement cycle |
| Minimum To Open | $100 | N/A | $100 |
| Minimum Balance To Maintain | $200 for no service charge per statement cycle (quarterly) | N/A | $5,000 |
| TBT VISA® checkcard | Not available on this account | Not available on this account | Not available for this account |
| Checks | N/A | N/A | Variety of check styles and prices |
| Earns Interest | Yes View Rates | Yes | Yes - View Rates Variable rate* with five tiered interest levels |
| TBTmyWay (online banking) | No fee | No fee | No fee |
| myPay (online bill payment) | N/A | N/A | Optional – No fee for first 90 days. $1 per month for up to 3 payments; $0.35 per item after. Fees are charged on the last day of the month. |
| Statements | Option of no fee quarterly eStatements or paper statements | Option of no fee quarterly eStatements or paper statements | Option of no fee monthly eSTATEMENTS or paper statements with images |
| Withdrawals Per Month | Limited to 6 withdrawals or transfers per month. 7 withdrawals or over: $1.00 per withdrawal | Limited to 6 withdrawals or transfers per month. 7 withdrawals or over: $1.00 per withdrawal | Up to 6 withdrawals or transfers per monthly statement cycle |
| Details To Know | Rates 2 subject to change at bank's discretion Add or withdraw funds at any time; limited to 6 withdrawals or transfers per month to another account of yours or to a third party by means of preauthorized or automatic transfer or telephone order or instruction or computer transfer | Rates 2 subject to change at bank's discretion Add or withdraw funds at any time; limited to 6 withdrawals or transfers per month to another account of yours or to a third party by means of preauthorized or automatic transfer or telephone order or instruction or computer transfer | Rates 2 subject to change at bank's discretion Add or withdraw funds at any time; limited to 6 withdrawals or transfers per month to another account of yours or to a third party by means of preauthorized or automatic transfer or telephone order or instruction or computer transfer |
| Rate Details | Variable Rate of Interest 2 subject to change at any time and established by bank management Interest will be compounded daily Interest will be credited to your account every quarter The daily balance method is used to calculate the interest Interest begins to accrue on the business day you deposit noncash items (for example, checks) See Today's Rates | Variable Rate of Interest 2 subject to change at any time and established by bank management Interest will be compounded daily Interest will be credited to your account every quarter The daily balance method is used to calculate the interest Interest begins to accrue on the business day you deposit noncash items (for example, checks) See Today's Rates | Variable Rate of Interest 2 subject to change at any time and established by bank management Interest will be compounded daily Interest will be credited to your account every month The daily balance method is used to calculate the interest Interest begins to accrue on the business day you deposit noncash items (for example, checks) See Today's Rates |
| Other Possible Fees | View Fees | N/A | View Fees |
| FDIC insured | Yes | Yes | Yes |
| Apply | Open Your Account Today | ||
1 Cool Kids Savings Club Account - Once child reaches 12 years of age, account transfers to a minor savings
2 Variable Rates. May change after account opening, and subject to change without notice.
