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Truth In Savings

Esteem Checking Account Truth in Savings Disclosure


Interest Rate Information

  • The interest rate and annual percentage yield may change at the Bank's discretion any time without notice. Click here for the current interest rate and annual percentage yield.

Compounding and Crediting of Interest

  • Interest is compounded monthly and credited to the account every month.
  • If you close the account before interest is credited, you will receive the accrued interest.

Accrual of Interest on Noncash Deposits

  • Interest begins to accrue no later than the business day we receive credit for the deposit of noncash items (for example, checks).

Minimum Balance Requirements

  • You must deposit $100 to open this account.
  • You must maintain a minimum balance of $100 in the account each day to obtain the disclosed annual percentage yield.

Balance Computation Method

  • We use the daily balance method to calculate the interest on the account. This method applies a daily periodic rate to the principal in the account each day.

Transaction Limitations

  • You may make unlimited deposits into or withdrawals from the account each month.

Service Fees

The following fees may be assessed against the account:

Stop Payments (per item) $35.00
*Overdrafts (per item paid or returned) $40.00
Deposit Item Chargeback (per item) $15.00
Research (per hour/minimum $30) $30.00
Escheat Processing $100.00
Dormant Account (per month after one year) $5.00
Early Account Closure (within 180 days of opening) $30.00
Foreign ATM Cash Withdrawals $2.00

 Free Esteem Checking custom checks for the life of the account relationship. Other check  printing fees based upon style selected.

* The overdraft fee applies to overdrafts created by in person withdrawal or electronic means as applicable. The fee is assessed on only the first six overdraft items per day.

Additional Acccount Information

  • Accounts at a zero balance for 45 days will be permanently closed.
  • Unlimited check writing
  • No minimum balance fees, transaction fees or monthly service fees
  • Free Online Banking
  • Free Online Bill Pay & Presentment
  • Free Telephone Banking
  • Free Official Checks
  • Free Money Orders
  • Free Travelers Checks
  • Free Signature Guarantee(s)
  • 50% discount on safe deposit box annual rental, subject to availability and automatic payment deduction from the Esteem Checking Account.

 


Member FDIC