For more information on any of our available checking accounts, you may select from the list below.
PERSONAL AND BUSINESS CHECKING
SIMPLY FREE CHECKING
ATM ACCOUNT
DOUBLE NICKEL CHECKING
--come in and see us
YOUTH CHECKING
NOW CHECKING
FIRST FLIGHT OPTION
CORPORATE ACCOUNT
MONEY MARKET ACCOUNT
ORGANIZATIONAL or NON-PROFIT CHECKING
DISCLOSURES
RATES
ACCOUNT RELATED FEES
When opening a consumer checking account with the Curtis State Bank, you need to deposit $100, unless you or your family, are already established customers in good standing. A
MONEY MARKET ACCOUNT
will require a minimum $2,500 to open, and a
NOW ACCOUNT
, $1500.
Interest on
NOW ACCOUNTS
and
MONEY MARKET ACCOUNTS
is compounded and credited to the account each month on the last business day of the statement cycle. Your interest rate and annual percentage yield (APY) may change. At the bank’s discretion, we may change the interest rate at any time. To check the current rates associated with our accounts, click on
RATES
.
Account maintenance and activity fees on new accounts are waived for the first statement cycle.
You must purchase your own printed checks unless it is otherwise stated in our fee schedule. Prices for printed checks will vary upon the check style chosen.
The automatic transfer of funds from your PERSONAL MONEY RESERVE account to your checking account is available on request (with no transfer charges) to prevent overdrafts. To qualify for a PERSONAL MONEY RESERVE account we must have a signed application and agreement with all parties authorized to sign on the account. You must be of legal contractual age, or have a cosigner who is of legal age. Prior credit approval is required.
ACCOUNT RELATED FEES
may apply to some accounts.
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This Checking Account is designed as our classic account with only a $100 minimum to open. There will be no maintenance charge when you maintain a $450 minimum balance. If your minimum balance falls below that, the following schedule will apply:
Between $300 and $449
|
$1.00
|
Between $150 and $299
|
$2.50
|
|
Between $149 and $000
|
$4.00
|
There is a $.15 activity fee for each debit to the account in excess of 25 debits per statement cycle.
A statement will provide you with an image of the front side of all paid checks and deposit tickets will be provided. If you need another copy of a paid check, you will be provided with a photocopy of the front and back of that check at no charge.
ACCOUNT RELATED FEES
in this schedule apply to this account.
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This account does not have a monthly minimum balance requirement, no monthly maintenance fee and no activity charges. You have unlimited check writing privileges and your first order of 50 standard design checks is free, provided that you place an additional order for checks with us at that time.
Your statement will provide information stating the paid check’s number, amount it was for and when it cleared your account. Paid checks will not be returned with your account statement. Instead they will be imaged and kept in safekeeping by the bank. If you need a copy of a paid check, you will be provided with a photocopy of the front and back of that check at no charge.
ACCOUNT RELATED FEES
in this schedule apply to this account.
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This account offers one free ATM Card in which you can access your account 24-7, has a monthly statement and no minimum balance. The ATM Card Account is for use at Automated Teller Machines, and participating merchants that have INTERLINK card swipe terminals. A PIN (Personal Identification Number) is needed, which you select, to use this card. No checks are issued. ATM Fees are charged at ATM Machines other than Curtis State Bank whenever your card is used.
ACCOUNT RELATED FEES
in this schedule apply to this account.
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This account is for those that are age 55 or older. Interest is earned by maintaining an average monthly balance greater than $550, with no service charges for balances less than $550. There are no activity fees associated with this account.
A statement that provides an image of the front side of all paid checks and deposit tickets will be provided. If you need another copy of a paid check, you will be provided with a photocopy of the front and back of that check at no charge.
ACCOUNT RELATED FEES
in this schedule apply to this account.
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This account is available for youth 18 and under, that maintain low balances and write few checks. Statements are sent monthly to aid them in learning to reconcile their account. This account allows service charge free checking if the account has 20 or less debits per monthly statement cycle. An activity fee of $.15 will be assessed for each debit over 20.
A statement that provides an image of the front side of all paid checks and deposit tickets will be provided. If you need another copy of a paid check, you will be provided with a photocopy of the front and back of that check at no charge.
ACCOUNT RELATED FEES
in this schedule apply to this account.
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This checking account is designed for those who wish to earn interest on their account deposits. It allows for service charge free checking when you maintain a $1,500 average daily balance during the statement cycle. A $10.00 account maintenance fee will be assessed if the balance requirement is not met. An activity fee of $.15 for each debit to the account, per statement cycle, will be assessed but can be offset by a $.15 bank credit on maintenance and activity fees, for every $25 average balance.
A statement that provides an image of the front side of all paid checks and deposit tickets will be provided. If you need another copy of a paid check, you will be provided with a photocopy of the front and back of that check at no charge.
$1,000 Accidental Death Insurance ($500 if age 70 or over) is available at no charge if you fill out an application. Additional individual or family coverage is also available from Benefit Consultants. Prices will vary depending on amount.
To check on the current
RATES, click here.
ACCOUNT RELATED FEES
in this schedule apply to this account.
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This account for individuals (not businesses) offers many additional services. For a small monthly maintenance fee, the account offers Free First Flight Checks, Accidental Death Insurance, Discounts on Travel and Lodging, Travelers Checks and Cashiers Checks or Personal Money Orders without issue charge, and a 20% Safe Deposit Box discount.
For this service, a monthly maintenance fee of $6.00 for a standard or $8.00 for a family will be assessed. There is a $.15 activity fee for each debit to the account in excess of 25 debits per statement cycle.
A statement that provides an image of the front side of all paid checks and deposit tickets will be provided. If you need another copy of a paid check, you will be provided with a photocopy of the front and back of that check at no charge.
$1000 Accidental Death Insurance ($500 if age 70 or over) is available at no charge if you fill out an application. Additional Individual or Family coverage is also available from Benefit Consultants. Prices will vary depending on amount.
ACCOUNT RELATED FEES
in this schedule apply to this account.
»
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This account allows service charge free checking when you maintain a $1,500 average daily balance during the statement cycle. A $10.00 account maintenance fee will be assessed if the balance requirement is not met. An activity fee of $.15 for each debit to the account, per statement cycle, will be assessed but can be offset by a $.15 bank credit on maintenance and activity fees, for every $25 average balance.
A statement that provides an image of the front side of all paid checks and deposit tickets will be provided. If you need another copy of a paid check, you will be provided with a photocopy of the front and back of that check at no charge.
ACCOUNT RELATED FEES
in this schedule apply to this account.
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Curtis State Bank’s money market account is designed for those who want to earn a higher rate of return than the average SAVINGS ACCOUNT, but still want immediate access to their funds. A $10.00 monthly maintenance fee if the minimum balance falls below $2,500 will be assessed.
Transaction Limitations:
Your account is limited to six pre-authorized debits during each monthly statement cycle. Pre-authorized debits include transfers authorized by telephone, and transfers and payments authorized by agreement. There are no limits on withdrawals made in person at the bank. Withdrawals and deposits may be no less than $500.00.
To check on the current
RATES of interest that apply to the Money Market, click on
RATES.
ACCOUNT RELATED FEES
in this schedule apply to this account.
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This account provides traditional features with no maintenance fee when you maintain a $450 minimum balance. If your minimum balance falls below that, a $1.00 fee will be assessed.
There is a $.15 activity fee for each debit to the account in excess of 25 debits per statement cycle.
A statement that provides an image of the front side of all paid checks and deposit tickets will be provided. If you need another copy of a paid check, you will be provided with a photocopy of the front and back of that check at no charge.
ACCOUNT RELATED FEES
in this schedule apply to this account.
»
back to options