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Products and Rates

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Products

Checking Accounts

E-Access Checking
Access Checking
Privileges Club Checking
Commercial Checking
 

Interest Checking

N.O.W. Checking
Advantage Checking
Money Matters- Money Market
 

Savings Accounts

Citizens Savings
"Pig E. Savings" For Minors < 18
Christmas Club Savings
I.R.A. Saving
Certificates of Deposit
I.R.A. CD Account
 

Minimum Opening Balance

Minimum Average Daily balance

Maintenance Fee if Average Daily balance Falls Below the Minimum

Interest Bearing Account

Interest Rate

Annual Percentage Yield

Monthly Club Service Fees

ATM or Visa Check Card

Free Official Checks

Free Personal Checks

Number of Transactions Limit

                     
$50.00 None N/A No N/A N/A N/A Yes No N/A None
$50.00 None N/A No N/A N/A N/A Yes No No None
$100.00 None N/A No N/A N/A See Chart Yes Yes Yes None
$100.00 $1,000.00 $8.00 No N/A N/A N/A Yes No No Yes*
                     
                     
$1,000.00 $1,000.00 $8.00 Yes 0.10% 0.10% N/A Yes No No None
$5,000.00 $5,000.00 $15.00 Yes See Rate Chart Below N/A Yes No Yes None
$1,250.00 $1,250.00 $7.00 Yes See Rate Chart Below N/A No No No Yes**
                     
                     
$100.00 $100.00 $5.00 Yes 0.20% 0.20% N/A N/A No N/A Yes***
None None N/A Yes 0.25% 0.25% N/A N/A No N/A Yes***
None None N/A Yes 0.29% 0.29% N/A N/A No N/A Yes***
None None N/A Yes 0.50% 0.50% N/A N/A No N/A None
$1,000.00 N/A N/A Yes See Rate Chart Below          
$500.00 N/A N/A Yes See Rate Chart Below          
                     

Privileges Club Account Fee Chart

Level Monthly Account Fee Accidental Death & Dismemberment Insurance Benefit
Basic $8.00 $15,000
Bonus $10.00 $25,000
Club 62+ $7.00 $15,000
Club 62+ Gold $9.00 $25,000

 

Advantage Checking & Money Matters Rate Chart

Product Average Daily Balance Tiers Interest Rate Annual Percentage Yield
Advantage Checking $0.01 - $24,999.99 0.08% 0.08%
  $25,000 - $99,999.99 0.15% 0.15%
  $100,000.00 & Over 0.20% 0.20%
       
Money Matters - Money Market $0.01 - $1,249.99 0.15% 0.15%
  $1,250.00 & Over 0.20% 0.20%

* Commercial Checking Accounts with high transaction volumes of over 600 items per calendar month may be subject to account analysis fees.

** Money Matters - Money Market Accounts have a limit of 6 third-party checks, intra-bank account transfers or telephone transfers per monthly cycle. A $3.00 service charge fee applies for each debit transaction in excess of six (6) during the calendar month.

*** Savings Accounts have a monthly withdrawal transaction limit of six (6) withdrawals per calendar month. A $5.00 service charge for each withdrawal over the limit will be accessed per calendar month. (These charges do no apply to Senior Citizens over 62 years of age, “Pig E. Savings” Accounts or Non-Profit Organization Savings Accounts.

Certificate of Deposit Rate Chart

CD Term Interest Rate^ Annual Percentage Yield^
31 Days 0.15% 0.15%
60 Days 0.20% 0.20%
90 Days 0.20% 0.20%
182 Days 0.20% 0.20%
12 Months 0.25% 0.25%
18 Months 0.40% 0.40%
24 Months 0.50% 0.50%
30 Months 0.65% 0.65%
36 Months and Over 0.75% 0.75%
48 Months and Over 1.00% 1.00%
60 Months and Over 1.15% 1.15%

^Minimum balance of $1,000.00 required to get Annual Percentage Yield.
^Minimum opening deposit of $1,000.00 required for Certificates of Deposit
^Early Withdrawal penalties may apply.

IMPORTANT NOTICE – The rates quoted in the charts above are effective as of December 15, 2013.  All rates are subject to change.  Fees could reduce earnings.

ATM Cards and Visa Check Cards
Civis Bank is a member of the Star, Cirrus and Plus Networks, allowing our customers 24-hour access to cash at ATM locations nationwide. Furthermore, our Visa Check Card gives you the ability to make purchases at any merchant that accepts Visa. Ask us for details!

Get an extra layer of security when you shop online!

In addition to our other ways of preventing, detecting, and resolving fraud, we offer Verified by Visa, a free, simple-to-use service that confirms your identity with an extra password when you make an online transaction.

Click this link to see more information and sign up for this free fraud prevention tool:
http://www.visa.com/verified

Bank Services and Fees
Cashiers Check / Money Orders
- Account Holders - $5.00
- Free to Privileges Club Checking Members

Account Activity Printout - $2.00

Foreign ATM / Debit Transactions: $2.00

Telephone Funds Transfer Fee:  $5.00 per Transfer

Sweep Account Initial Setup Fee:  $5.00

Inactive Account Fee:  $5.00 Quarterly
Savings Accounts
- No transaction activity for 12 months.
- Accounts with at least $100 balance will NOT be assessed a fee.
Checking Accounts
- No transaction activity for 6 months.
- Accounts with at least $1,000 balance will NOT be accessed a fee.

Dormant Account Fee:  $15.00 Quarterly
Savings Accounts
- No transaction activity for 24 months.
- Accounts with at least $100 balance will NOT be assessed a fee.
Checking Accounts
- No transaction activity for 12 months.
- Accounts with at least $1,000 balance will NOT be accessed a fee.

Stop Payments
$31.00

Returned Item Fee / Paid Item Overdraft Fee
$31.00

Account Research
$25.00 per hour – 1 hour minimum

Negative Balance Fee (Checking):
$5.00 per day after the 10 consecutive business day

Wire Transfer
Incoming Wire Fee - $15.00 (Domestic) - $15.00 (International)
Outgoing Wire Fee - $20.00 (Domestic) - $100.00 (International)

Our Lending Policy
Civis Bank offers traditional lending services at competitive rates. Such as commercial loans, real estate mortgages, home equity loans, personal loans and agricultural loans are among the many services offered. Civis Bank is an equal housing lender.

Small Business Loans – See our small business lending division at http://www.civiscapital.com

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