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PERSONAL BANKING

Personal Savings Accounts

 

First Landmark Bank offers a wide variety of products and services to help make your banking convenient and efficient. Many features utilize technology for today’s fast-paced society. Many of these features are available at no charge from the bank and available to use 24/7 from the convenience of your computer or mobile device.

PERSONAL SAVINGS

 

FEATURE

PERSONAL SAVINGS

MINOR SAVINGS

Under age 18 with adult custodian

PERSONAL MONEY MARKET

Minimum opening deposit

$100

$0

$1,000

Maintenance fee

$41

Maintenance fee can be avoided by meeting the balance requirement
$0

$102

Maintenance fee can be avoided by meeting the balance requirement

Reg. D Transaction limitations

6 debits per

statement cycle3

6 debits per

statement cycle3

6 debits per

statement cycle4

Free online banking

Mobile banking

Mobile deposit

Interest5 Rate

Variable Rate

Variable Rate

Tiered Based on Balance*

 

1 Avoid a maintenance fee of $4 per statement cycle by maintaining a minimum daily balance of $100 or more in this account. The minimum daily balance is the current daily ledger balance.
2 Avoid a maintenance fee of $10 per statement cycle by maintaining a minimum daily balance of $1,000 or more in this account, or maintaining and average ledger balance of $2,500 or more. The minimum daily balance is the current daily ledger balance. The average ledger balance is calculated from an aggregate of the daily ledger balances divided by the number of days for the statement period.
3 Regulation D Limitations on Debits (excluding bank fees) By federal regulation, Savings Accounts are limited to a total of six (6) debits per statement cycle by automatic or preauthorized transfer, telephone, online, or mobile banking, or wire transfer. Repeated debits exceeding the six (6) allowed per month may require us to close the account and re-open it into a checking product that offers unlimited transactions. Additionally, a fee of $3.00 will be assessed for each debit exceeding six (6) per statement cycle.
4 Regulation D Limitations on Debits By federal regulation, Money Market Accounts are limited to a total of six (6) debits per statement cycle by automatic or preauthorized transfer, telephone, online, or mobile banking, or wire transfer. Repeated debits exceeding the six (6) allowed per month may require us to close the account and re-open it into a checking product that offers unlimited transactions. Additionally, a fee of $15.00 will be assessed for each debit exceeding six (6) per statement cycle.
5 Interest is calculated using the daily balance method by applying a daily periodic rate to the principal balance in the account each day. Interest is compounded daily and credited monthly. No minimum balance required to earn interest. Interest accrues no later than the business day we receive credit for the deposit of non-cash items. If you close your account before interest is credited, you will not receive the accrued interest.
* Tiered interest rates based on account balances are subject to change without notice as follows:
  • $0.01 - $9,999.99
  • $10,000.00 - $24,999.99
  • $25,000.00 - $49,999.99
  • $50,000.00 - $99,999.99
  • $100,000.00 and over