Personal Checking

Select a product below: 


Free Checking

Deposit $50.00 to open this account

Features:
  • ATM/Visa Check Card available with $1/month per card fee
  • 24 hour access to ACB’s Telebank

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ACB Interest Account

Rate information
Your interest rate and annual percentage yield may change.

Frequency of rate changes
We may change the interest rate on your account at any time.

Determination of rate
At our discretion, we may change the interest rate on your account.

Compounding and crediting frequency
Interest will be compounded every month. Interest will be credited to your account every month.

Effect of closing an account
If your close your account before interest is credited, you will not receive the accrued interest.

Minimum balance to avoid imposition of fees
A NOW account minimum balance fee of $7.50 will be imposed every statement cycle unless you maintain a minimum average daily collected balance of $1,000.00

Minimum balance to open the account
You must deposit $1,000.00 to open this account.

Minimum balance to obtain the annual percentage yield disclosed
You must maintain a minimum balance of $.01 in the account each day to obtain the disclosed annual percentage yield.

Interest computation method
We use the average daily collected balance method to calculate the interest on your account.

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).

Fees:

Rate Tiers:

Tier Dollar Amount:

  1. up to $24,999.99
  2. $25,000.00 - $49,999.99
  3. $50,000.00 - $99,999.99
  4. $100,000.00 - $149,999.99
  5. $150,000.00 and up
  • Minimum Balance to Open.......................................................................................
  • Minimum Daily Balance to Avoid Monthly Charge....................................................
  • Minimum Balance Fee..............................................................................................
  • Minimum Average Daily Collected Balance to obtain the disclosed annual percentage yield
  • $1000.00
  • $1000.00
  • $7.50
  • $.01

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Money Market Checking

Rate information
Your interest rate and annual percentage yield may change.

Frequency of rate change
We may change the interest rate on your account at any time.

Determination of rate
At our discretion, we may change the interest rate on your account.

Compounding and crediting frequency
Interest will be compounded every month. Interest will be credited to your account every month.

Effect of closing an account
If you close your account before interest is credited, you will not receive the accrued interest.

Minimum balance to open the account
You must deposit $2,500.00 to open this account.

Minimum balance to obtain the annual percentage yield disclosed
You must maintain a minimum balance of $.01 in the account each day to obtain the disclosed annual percentage yield.

Interest computation method
We use the average daily collected balance method to calculate the interest on your account.

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).

Transaction limitations
Transfers from a Money Market Deposit account to another account or to third parties by preauthorized, automatic, or telephone transfer are limited to six per statement cycle with no transfers by check, draft, debit card, or similar order to third parties.

Fees:

Rate Tiers:

Tier Dollar Amount:

  1. up to $2,499.99
  2. $2,500.00 - $9,999.99
  3. $10,000.00 - $24,999.99
  4. $25,000.00 - $49,999.99
  5. $50,000.00-$149,999.99
  6. $150,000.00 - $199,999.99
  7. $200,000.00 - $249,999.99
  8. $250,000.00 and up
  • Minimum Balance to Open.......................................................................................
  • Minimum Daily Balance to Avoid Monthly Charge...................................................
  • Minimum Balance Fee.............................................................................................
  • $2500.00
  • $2500.00
  • $10.00
Features:
  • 6 Monthly “pre-authorized” or “automatic transfer” or check, draft, debit card or telephone transfer to a third party or another account of the depositor.
  • 24 hour access to ACB’s Telebank

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