All of our Personal Savings Accounts Include
- Free Online Banking
- Telephone Banking
- Free ZNB Debit Card*
- Truncated Account
Personal Savings
- Minimum Opening Deposit - $300.00
- Interest: Accrued Daily, Paid Quarterly
- Minimum for No Maintenance Fee - $300.00
- Maintenance Fee Below Minimum / Month - $5.00
- Minimum To Obtain Annual Percentage Yield Disclosed - $300.00
- Minimum Withdrawals for No Fee – 1 / Month
- Fee After 1 Withdrawal - $2.00 per withdrawal
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Super NOW Personal
- Minimum Opening Deposit - $2,500.00
- Interest: Accrued Daily, Paid Monthly
- Image Statement Account
- Minimum for No Maintenance Fee - $2,500.00
- Maintenance Fee Below Minimum / Month - $15.00
- Minimum To Obtain Annual Percentage Yield Disclosed - $2,500.00
- Minimum Withdrawals for No Fee – 10 / Month
- Fee After 10 Withdrawals - $.30 per withdrawal
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Money Market Personal
- Minimum Opening Deposit - $2,500.00
- Interest: Accrued Daily, Paid Monthly
- Image Statement Account
- Minimum for No Maintenance Fee - $2,500.00
- Maintenance Fee Below Minimum / Month - $15.00
- Minimum To Obtain Annual Percentage Yield Disclosed - $2,500.00
- Transaction Limitations: Transactions from a Money Market Personal to another account or to third parties by preauthorized, automatic, telephone, or online transfer are limited to six (6) per statement cycle with no more than three (3) withdrawals by check, draft, or similar order to third parties.
- Fees: An activity charge of $10.00 will be charged for each debit transaction in excess of six during a month.
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Money Market Interest Bearing Account Disclosure
Interest rate and annual percentage yield may change.
We may change the interest rate on your account at any time.
We use the daily balance method to calculate the interest on your account. This method applies a daily periodic rate to the principal in the account each day
Interest begins to accrue no later than the business day we receive credit for the deposit of noncash items (for example, checks).
The bank reserves the right to require seven (7) days written notice prior to withdrawal.
To ensure that no more than the permitted number of withdrawals or transfers are made, the bank will monitor transactions on an ex post basis. Those customers who exceed the limits during a month will be contacted. When the customer violates the limits for more than two consecutive months, the bank will either close the account or place the funds in another account that the depositor is eligible to maintain.
*Money Market does not include Free ZNB Debit Card
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