Personal Checking & Savings

 
From everyday spending to longer-term saving, flexible deposit accounts are available to guide your finances while ensuring funds are accessible.
 

Ultimate Checking

Gain access to all the features you look for in a standard checking account plus additional money-saving benefits.

  • $100 minimum opening deposit
  • No minimum balance requirement or per check charge
  • Complimentary GenGold® membership
  • Free personalized checks
  • Free money orders
  • 20% discount on first year's safe deposit box rental
  • Bounce Protection overdraft privilege available for up to $400
  • Electronic or paper statements available with return of check images
  • Debit card and NetBanker with iPay** available
  • $8 monthly service fee

Rewards Checking

Earn interest on your account balance while benefiting from our easy-to-use electronic banking services.

  • $100 minimum opening deposit
  • Earns interest regardless of balance:
    • Premium rate paid on balances from $1 - $24,999 if account requirements are met***
    • Basic rate paid on balances above $24,999 or if account requirements are not met***
  • No minimum balance requirement or per check charge
  • Free personalized checks
  • Debit card and NetBanker required
  • iPay available**
  • Electronic monthly statement required
  • Return of check images, when enrolled in e-Statements
  • Bounce Protection overdraft privilege available for up to $300

Premium Checking

Designed for customers who maintain higher account balances, this option is paired with a competitive interest rate and the standard services that maximize convenience.

  • $750 minimum opening deposit
  • Earns interest at competitive rate
  • Minimum balance of $750 to avoid a $7 monthly service charge
  • No fee for first 50 checks presented for payment per statement cycle; 25¢ fee per check thereafter
  • Electronic or paper statement available with return of check images
  • Debit Card and NetBanker with iPay** available
  • Bounce Protection overdraft privilege available for up to $500

Prestige Checking

This flexible account option is exclusively available to customers age 50 and above.

  • $100 minimum opening deposit
  • Checking designed especially for those 50 years of age and above
  • Earns interest at competitive rate with balance of $500 or more
  • No minimum balance requirement or per check charge
  • No monthly service charge
  • Electronic or paper statement available with return of check images
  • Debit Card and NetBanker with iPay** available
  • Bounce Protection overdraft privilege available up to $400

Basic Checking

Banking is made easy with our standard checking account option.

  • $500 minimum opening deposit
  • Minimum balance of $500 to avoid a $6 monthly service charge
  • No fee for first 50 checks presented for payment per statement cycle; 25¢ fee per check thereafter
  • Electronic or paper statement available with return of check images
  • Debit card and NetBanker with iPay** available
  • Bounce Protection overdraft privilege available for up to $300

Totally Free Checking

Skip the fees and enjoy a straightforward account.

  • $100 minimum opening deposit
  • No minimum balance requirement
  • No monthly service charge or per check charge
  • Electronic or paper statement available without check images
  • Debit card and NetBanker with iPay** available
  • Bounce Protection overdraft privilege available for up to $100

Money Market Checking

As your balance grows, earn a higher interest rate on your savings. While transactions are limited each month, you will maintain access to your funds.

  • $1,500 minimum opening deposit
  • Interest rate determined by balance in account:
    • Level 1: daily balance of $1.00 to $9,999.99
    • Level 2: daily balance of $10,000 to $24,999.99
    • Level 3: daily balance of $25,000 or more
  • Interest compounded and credited monthly
  • Minimum balance of $1,500 to avoid a $15 monthly service charge
  • Transfers to another account or to third parties by check, preauthorized, automatic or telephone transfers are limited to six per monthly statement cycle. A $10 fee is assessed for exceeding this limit
  • Electronic or paper statement available with return of check images
  • Bounce Protection overdraft privilege available for up to $500
*  Not a Bank product. Benefits offered through a third party. No fee assessed for Ultimate Checking customers. May be added to any other The Bank N.A. checking account for a monthly fee of $4.95.
**Fees apply
***Minimum of 12 debit card transactions each statement cycle, excluding ATM transactions; valid email address required for each statement cycle; and at least one login to NetBanker per statement cycle.

Regular Savings

Whether you are saving for a short-term or long-term need, this basic savings option is a safe place to let your balance increase over time.
 
  • $100 minimum opening deposit
  • Earns interest at competitive rate for each day the balance is $100 or more
  • Minimum balance of $100 required for each day of the statement cycle to avoid $15 quarterly service charge
  • Six free withdrawals per quarter; $2 fee per debit transaction thereafter
  • Electronic or paper statement provided quarterly

Certificates of Deposit

Commit to save funds for a designated period of time and take advantage of a higher interest rate.
 
  • Minimum opening deposit of $1,000
  • Terms available from 31 days to 5 years
  • Interest rates are guaranteed through maturity
  • Interest may be paid by check, deposited to a checking or savings account, or added back to the certificate
  • Automatic account renewal
  • Current interest rates available from The Bank N.A. Customer Service Representatives
  • Special rates may be offered for certificates over $100,000
  • A penalty is assessed for early withdrawal of funds
IRAs are a tax-advantaged way for people with earned income to financially prepare for retirement or future education-related expenses. We offer several IRA options to meet diverse financial needs of proactive savers.
 
  • Minimum opening deposit of $1,000
  • 18 month term
  • Competitive variable interest rate is paid and is adjustable quarterly
  • Assistance with transfers or rollovers is available
  • Multiple deposits allowed - contribution limits apply

Traditional IRA

A traditional IRA is designed for individuals under age 70 1/2 who have earned income.  Contributions may be fully or partially tax deductible and you benefit from tax-deferred investment growth.
 
  • All interest earned is tax-deferred until withdrawal
  • Minimum distributions are required beginning at age 70 1/2
  • IRS penalties can occur for early withdrawal (prior to age 59 1/2) unless unique circumstances apply to your situation

Roth IRA

A Roth IRA is a retirement plan in which contributions are made after-tax. In exchange for this condition, there may be a tax-free distribution at the time of withdrawal.

  • All interest earned is tax-deferred until withdrawal
  • Contributions are allowed after age 70 1/2 if individual has earned income
  • No minimum distribution required beginning at age 70 1/2
  • IRS penalties can occur for early withdrawal (prior to age 59 1/2) unless unique circumstances apply to your situation

Education IRA

An Education IRA or Coverdell Educational Savings Account (CESA) is an investment tool created to help parents pay for the future cost of a child's elementary, secondary or post-secondary education.
 
  • Contributions can be made for students under the age of 18
  • Withdrawals are both tax-free and penalty-free if funds are used for qualified education-related expenses including tuition, fees, books, supplies, and equipment
  • A person may be limited in the amount of their contribution based upon set adjusted rate gross income levels
  • Funds must be used by the designated beneficiary by the time the child reaches the age of 30, or transferred to another family member, otherwise earnings will be taxed and subject to an IRS penalty. The age of 30 restriction may be waived for individuals identified as having special needs.

    For additional information, consult with your tax professional for details concerning contributions, distributions, tax advantages, and tax laws.
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Make personal checking better with Generations Gold® benefits.
 

Compare Personal Accounts


Minimum Opening Deposit Minimum Balance Monthly Maintenance Charge Earns Interest Transaction Limit
$100 None $8.00 No None
$100 None None Yes None
$500 $500 None with minimum balance No Fee for > 50 checks/debits*
$750 $750 None with minimum balance Yes Fee for > 50 checks/debits*
$100 None None No None
$100 None None Yes, on daily collected balances of $500 or more None
$1,500 $1,500 None with minimum balance Yes, a tiered, variable rate with minimum balances Yes
$100 $100 None with minimum balance Yes, with minimum balance Yes
$1,000 $1,000 None Yes N/A
$1,000 $1,000 None Yes N/A
Disclosure
*Electronic transactions are not subject to this limitation.
**Fees apply
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