|Privileges Club Checking|
|Money Matters- Money Market|
|"Pig E. Savings" For Minors < 18|
|Christmas Club Savings|
|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
Annual Percentage Yield
Monthly Club Service Fees
ATM or Visa Check Card
Free Official Checks
Free Personal Checks
Number of Transactions Limit
|$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**|
|$1,000.00||N/A||N/A||Yes||See Rate||Chart Below|
|$500.00||N/A||N/A||Yes||See Rate||Chart Below|
|Level||Monthly Account Fee||Accidental Death & Dismemberment Insurance Benefit|
|Club 62+ Gold||$9.00||$25,000|
|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.
|CD Term||Interest Rate^||Annual Percentage Yield^|
|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!
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:
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
Dormant Account Fee: $15.00 Quarterly
Returned Item Fee / Paid Item Overdraft Fee
Negative Balance Fee (Checking):
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