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Checking •
Additional Products •
Savings • Loans
Checking:
| |
1st Regents Free |
1st Regents
Now |
1st Regents Relationship |
1st Regents
"55" |
| Minimum Opening Deposit |
$100 |
$1,000 |
$10,000 in combined accounts on
deposit |
$50 |
| Minimum Balance |
None |
$1,000 |
$10,000 deposit account relationship |
$1,000 deposit account relationship |
| Interest |
N/A |
Interest Paid Monthly |
Interest Paid Monthly |
Interest Paid Monthly |
| Monthly Service Charge |
None |
$10 if below minimum balance |
$10 if below minimum balance |
$9 if below minimum balance |
| Included Features |
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Image Statement |
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Combined Statement |
| • |
24-Hour Phone Bank |
| • |
Unlimited Check Writing |
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| • |
Image Statement |
| • |
Combined Statement |
| • |
24-Hour Phone Bank |
| • |
Unlimited Check Writing |
|
| • |
Image Statement |
| • |
Combined Statement |
| • |
24-Hour Phone Bank |
| • |
Unlimited Check Writing |
| • |
Free Specialty Checks |
| • |
Free 3x10 Safe Deposit Box based upon availability
(Andover office only) |
| • |
Free Travelers Checks (for
1) |
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| • |
Image Statement |
| • |
Combined Statement |
| • |
24-Hour Phone Bank |
| • |
Unlimited Check Writing |
| • |
Free Specialty Checks |
| • |
Free 3x10 Safe Deposit Box based upon availability
(Andover office only)
|
| • |
Free Travelers Checks (for
1) |
| • |
Free Photo Copies (10 per
month) |
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Additional
Products:
- Health Savings Account (HSA)
HSAs can provide significant benefits to eligible individuals.
This is an interest earning account with check access.
- Internet Banking
Transfer funds between accounts, make loan payments and monitor
daily activity on your account.
-
1st Regents Cash and Check Card
Use your check card to make a purchase over the phone, online
or at your local store. It’s the card that works like
a check.
-
1st Regents ATM Card
For easy, anytime access to your funds.
-
Ready Reserve
Protect yourself from overdrafts with an automatic line of
credit.
Savings:
1st Regents Junior Savings
- No minimum balance
- For those under age 16
- Interest compounds quarterly based on the average daily balance
method
1st Regents Savings
- $100 minimum balance
- Interest compounds quarterly based on the average daily balance
method
- Competitive interest rate
1st Regents Money Market
- $1,000 minimum balance
- Interest compounds quarterly based on the average daily balance
method
- Interest rate is tiered for 3 levels of return
High Interest Savings
- $25,000 minimum balance
- Interest compounds monthly based on the average daily balance
method
- Interest rate is tiered for 3 levels of maximum return
Certificates of Deposit
- 3 to 48 months maturity options
- Competitive interest rates
- Several interest payment options
IRA Options
- Roth IRA: A non-deductible
account that features tax-free withdrawals
for certain distribution reasons after a 5 year holding period
- Traditional IRA: a tax-deductible
contribution (in most cases) account that features tax-deferred
earnings
Loans:
Installment Loans:
- New and used cars, trucks, RV's and boats
- Fast, friendly service
- Competitive rates
Home Equity Loans
- Buy a new car, truck or boat
- Enjoy a family vacation
- Finance college tuition
- Consolidate credit cards & miscellaneous loans
- Convenient line of credit or loan option
- Loan interest may be tax deductible (see your tax advisor)
Home Mortgages
- Home loans, refinances and construction loans
- Conventional fixed and adjustable rate options
- Various terms available
- Competitive rates.
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