Personal Deposit Products

Below is an overview of the Personal Deposit Products. Please refer to the Truth in Savings Disclosure for detailed information.

*Account currently available at the Dublin branch only
Opening Deposit Transaction Limits Interest Bearing Mastercard Debit Card E-Statement Online Banking

Regular Checking

$100.00 Unlimited No Monthly
A minimum balance fee of $10.00 will be imposed every cycle if the average daily balance for the cycle falls below $800.00.

Dublin ISD Checking*

$100.00 Unlimited No Monthly
No monthly service charge. First order of checks is free.

Gold Star Account*

$100.00 Unlimited No Monthly
Must be age 55 and over. Please contact Dublin branch for more information.

Star Account*

$100.00 Unlimited No Monthly
Please contact Dublin branch for more information.

NOW Account

$1,500.00 Unlimited Variable Rate Monthly
You must maintain a minimum balance of $1,500.00 in the account each day to obtain the disclosed annual percentage yield. A minimum balance fee of $15.00 will be imposed each monthly statement cycle if the average daily balance for the monthly statement cycle falls below $1,500.00.

Money Market Account

$2,500.00 Limited Variable Tiered Rate Monthly
You must maintain a minimum balance of $2,500.00 in the account each day to obtain the disclosed annual percentage yield. A minimum balance fee of $15.00 will be imposed each monthly statement cycle if the average daily balance for the monthly statement cycle falls below $2,500.00. Limited to 6 transfers/withdrawals per month.

Savings

$150.00 Limited Variable Rate Quarterly
You must maintain a minimum balance of $150.00 in the account each day to obtain the disclosed annual percentage yield. A minimum balance fee of $5.00 will be imposed each month if the average daily balance for the month falls below $150.00. A fee of $1.00 per item will be charged after two withdrawals in a month.

Gold Star Interest Bearing*

$100.00 Unlimited Variable Rate Monthly
Must be age 55 and over. Please contact Dublin branch for more information.

Star Interest Bearing*

$100.00 Unlimited Variable Rate Monthly
Please contact Dublin branch for more information.

Certificate of Deposit

$1,000.00 No Fixed Rate No
A penalty will be imposed for principal withdrawals before maturity.

Individual Retirement Account

$250 No Fixed Rate No
A penalty will be imposed for principal withdrawals before maturity.

CDARS

No Fixed Rate
Please contact your local branch for more information.

ICS

No Variable Rate
Please contact your local branch for more information.

*Account currently available at the Dublin branch only

NOTICE OF EXPIRATION OF THE TEMPORARY FULL FDIC INSURANCE COVERAGE FOR  NON-INTEREST BEARING TRANSACTION ACCOUNTS

By operation of federal law, beginning January 1, 2013, funds deposited in a noninterest-bearing transaction account (including an Interest on Lawyer Trust Account) no longer will receive unlimited deposit insurance coverage by the Federal Deposit Insurance Corporation (FDIC).

Beginning January 1, 2013, all of a depositor’s accounts at an insured depository institution, including all noninterest-bearing transaction accounts, will be insured by the FDIC up to the standard maximum deposit insurance amount ($250,000), for each deposit insurance ownership category. 

For more information about FDIC insurance coverage of noninterest-bearing transaction accounts, visit www.fdic.gov/deposit/deposits/unlimited/expiration.html