Personal

 

Welcome to personal banking at its best. Personal banking, like life, should be simple and worry-free. Everyone’s journey is different, but with the right tools, we can all get to where we want to be. We look forward to working with you along the way.

Checking Accounts

In a perfect world, what do you want your checking account to do? Offer unlimited check writing? Pay interest? Include overdraft protection? Have minimal or no fees? Welcome to 1st ADVANTAGE Bank’s perfect world. We listened and have designed several checking plans to meet those and other needs.

ADVANTAGE Checking

You can enjoy a full-featured checking account designed for the customer looking for a checking account that earns interest at an exceptional rate. This account has many extra benefits that are described on the ADVANTAGE Accounts tab.

  • Minimum to open $2,500
  • Interest earned on daily collected balances of $2,500 or more
  • $25.00 monthly service charge if average daily balance for the statement cycle falls below $2,500
  • Free Specialty checks
  • Higher rates on Money Market, Savings, Time Deposits and IRAs
View Current Rates
You can have access to all of the following ADVANTAGES when you open a checking account with us:
  • Free Bank-by-Mail service
  • Free Visa® ATM/Debit Card
  • No bank fees for using any ATM (however, other banks may assess a surcharge fee)
  • No bank fees OR surcharge fees at ATMs in the U.S. (automatic reimbursement of ATM surcharge fees not to exceed $20 per month)
  • Free Online Banking
  • Free Bill Pay Service
  • Free Telephone Banking (ADVANTAGE24)
  • Free automatic transfer from another customer account
  • Free eStatements (electronic version of account statement)
  • Free document images of items posted to the account
  • Free combined statements (if you have more than one account with us)
  • If the account becomes dormant (547 days without activity) and the ledger balance falls below $100.00, the account will be charged a monthly dormant account fee of $3.00
  • See Miscellaneous Fees schedule for fees that may apply as incurred (except for accounts subject to account analysis)
  • Customer may apply for a Cash Reserve Loan that is tied to the deposit account to protect against overdrafts

Senior ADVANTAGE Checking

If you are age 50 or over, you can enjoy a full-featured checking account designed for the customer looking for a checking account with free checks for life and no monthly fees or service charges while earning interest.

  • Minimum to open $100
  • Interest earned on daily collected balance
  • No monthly service charge
  • Free Specialty checks
  • Higher rates on Money Market, Savings, Time Deposits and IRAs
View Current Rates
You can have access to all of the following ADVANTAGES when you open a checking account with us:
  • Free Bank-by-Mail service
  • Free Visa® ATM/Debit Card
  • No bank fees for using any ATM (however, other banks may assess a surcharge fee)
  • No bank fees OR surcharge fees at ATMs in the U.S. (automatic reimbursement of ATM surcharge fees not to exceed $20 per month)
  • Free Online Banking
  • Free Bill Pay Service
  • Free Telephone Banking (ADVANTAGE24)
  • Free automatic transfer from another customer account
  • Free eStatements (electronic version of account statement)
  • Free document images of items posted to the account
  • Free combined statements (if you have more than one account with us)
  • If the account becomes dormant (547 days without activity) and the ledger balance falls below $100.00, the account will be charged a monthly dormant account fee of $3.00
  • See Miscellaneous Fees schedule for fees that may apply as incurred (except for accounts subject to account analysis)
  • Customer may apply for a Cash Reserve Loan that is tied to the deposit account to protect against overdrafts

Regular Checking

You can enjoy a full-featured checking account designed for the customer looking for a checking account with unlimited check writing privileges and images of checks and deposits on your monthly statement.

  • Minimum to open $500
  • No interest
  • $5.00 if average daily balance for the statement cycle falls below $500
View Current Rates
You can have access to all of the following ADVANTAGES when you open a checking account with us:
  • Free Bank-by-Mail service
  • Free Visa® ATM/Debit Card
  • No bank fees for using any ATM (however, other banks may assess a surcharge fee)
  • No bank fees OR surcharge fees at ATMs in the U.S. (automatic reimbursement of ATM surcharge fees not to exceed $20 per month)
  • Free Online Banking
  • Free Bill Pay Service
  • Free Telephone Banking (ADVANTAGE24)
  • Free automatic transfer from another customer account
  • Free eStatements (electronic version of account statement)
  • Free document images of items posted to the account
  • Free combined statements (if you have more than one account with us)
  • If the account becomes dormant (547 days without activity) and the ledger balance falls below $100.00, the account will be charged a monthly dormant account fee of $3.00
  • See Miscellaneous Fees schedule for fees that may apply as incurred (except for accounts subject to account analysis)
  • Customer may apply for a Cash Reserve Loan that is tied to the deposit account to protect against overdrafts

Free Checking

You can enjoy a checking account designed for the customer looking for an economical checking account with no monthly fees or service charges.

  • Minimum to open $100
  • No interest
  • No monthly service charge
  • No images or checks with monthly account statement
View Current Rates
You can have access to all of the following ADVANTAGES when you open a checking account with us:
  • Free Bank-by-Mail service
  • Free Visa® ATM/Debit Card
  • No bank fees for using any ATM (however, other banks may assess a surcharge fee)
  • No bank fees OR surcharge fees at ATMs in the U.S. (automatic reimbursement of ATM surcharge fees not to exceed $20 per month)
  • Free Online Banking
  • Free Bill Pay Service
  • Free Telephone Banking (ADVANTAGE24)
  • Free automatic transfer from another customer account
  • Free eStatements (electronic version of account statement)
  • Free document images of items posted to the account
  • Free combined statements (if you have more than one account with us)
  • If the account becomes dormant (547 days without activity) and the ledger balance falls below $100.00, the account will be charged a monthly dormant account fee of $3.00
  • See Miscellaneous Fees schedule for fees that may apply as incurred (except for accounts subject to account analysis)
  • Customer may apply for a Cash Reserve Loan that is tied to the deposit account to protect against overdrafts
Item Fee
Foreign ATM Transaction $0.00
ATM/Debit Card Reissue $5.00
Balance Checkbook $25.00 per hr.
Record Research $25.00 per hr.
Cashier’s Check $3.00
Check Collection $20.00
Statement Copy with Images $2.00
Copy of Imaged Item $1.00
Foreign Currency Order $20.00
Garnishment, Attachment or Levy $25.00
Returned Deposit Item $5.00
Stop Payment Order $25.00
Dormant Fee $3.00*
   
Wire Transfers
Outgoing Wire $15.00
Outgoing International Wire $45.00
Incoming Wire $10.00
Non-Sufficient Funds (NSF)
Paid Item NSF Fee $25.00
Return Item NSF Fee $25.00

* If your account becomes dormant (547 days without activity) and your Ledger Balance falls below $100.00 for checking accounts or $50.00 for savings accounts, your account will be charged a monthly dormant account fee of $3.00.


Check Re-orders

Re-Order Checks

Savings Accounts

There is no better time to start saving for tomorrow than now! 1st ADVANTAGE Bank is here to get you started. No matter what drives you to save money, we have many savings options to help you reach your goals.

ADVANTAGE Savings Account can only be opened if customer has an ADVANTAGE Checking Account

  • $1,000.00 minimum to open
  • Available to consumers only
  • No monthly service charges
  • Interest rate for each tier is higher than the ADVANTAGE Money Market Account
  • If account is closed, then accrued interest is not paid
  • Interest is compounded using the daily balance method, and interest begins to accrue no later than the business day we receive credit for the deposit of non-cash items (for example, checks)
  • Interest is compounded quarterly and added to the balance of the account on the last day of the cycle (quarterly)
  • If the collected balance falls below $1,000 on any day, interest is not earned for that day
  • The account must maintain a specific collected balance in order to obtain the APY offered for each of the following interest rate tiers. On any day the balance qualifies for a respective tier, interest will be earned at the respective APY on the entire collected balance for that day:
    • $1,000.00 to $9,999.99
    • $10,000.00 to $24,999.99
    • $25,000.00 to $49,999.99
    • $50,000.00 to $99,999.99
    • $100,000.00 to $249,999.99
    • $250,000.00 and up
  • The interest rate on this account may change at any time after the account is opened
  • By law, this account is allowed only six (6) pre-authorized transfers or withdrawals per month
View Current Rates
You can have access to all of the following ADVANTAGES when you open a savings account with us:
  • Free Bank-by-Mail Service
  • Free Online Banking
  • Free Telephone Banking (ADVANTAGE24)
  • Free automatic transfer from another customer account
  • Free eStatements (electronic version of account statement)
  • Free document images of items posted to the account
  • If the account becomes dormant (547 days without activity) and the ledger balance falls below $50, the account will be charged a monthly dormant account fee of $3.00

Regular Savings

  • $100.00 minimum to open
  • If the average daily ledger balance for the statement cycle falls below $100.00, the service charge will be $3.00 per statement cycle (quarter)
  • The account will be charged an Excess Debit Fee of $1.00 for each debit transaction in excess of ten (10) per statement cycle (quarter)
  • By law, this account is allowed only six (6) pre-authorized transfers or withdrawals per month
  • The minimum to open, quarterly service charge and Excess Debit Fees are waived if account is opened by a person under the age of 18 whose parent/guardian/grandparent has an account with us
  • Quarterly account statement
  • Interest is calculated using the daily balance method, and interest begins to accrue on the business day you deposit non-cash items (for example, checks)
  • Interest is compounded quarterly and added to the balance of the account on the last day of the statement cycle (quarterly)
  • The interest rate on this account may change at any time after the account is opened
View Current Rates
You can have access to all of the following ADVANTAGES when you open a savings account with us:
  • Free Bank-by-Mail Service
  • Free Online Banking
  • Free Telephone Banking (ADVANTAGE24)
  • Free automatic transfer from another customer account
  • Free eStatements (electronic version of account statement)
  • Free document images of items posted to the account
  • If the account becomes dormant (547 days without activity) and the ledger balance falls below $50, the account will be charged a monthly dormant account fee of $3.00

Piggy Bank Savings

  • $10.00 minimum to open
  • Available to minors (Under age 18)
  • Free Piggy Bank at opening
  • No service charges
  • By law, this account is allowed only six (6) pre-authorized transfers or withdrawals per month
  • Quarterly account statement
  • Interest is calculated using the daily balance method, and interest begins to accrue on the business day you deposit non-cash items (for example, checks)
  • If the ledger balance falls below $.01 on any day, interest is not earned for that day
  • Interest is compounded quarterly and added to the balance of the account on the last day of the statement cycle (quarterly)
  • The interest rate on this account may change at any time after the account is opened
View Current Rates
You can have access to all of the following ADVANTAGES when you open a savings account with us:
  • Free Bank-by-Mail Service
  • Free Online Banking
  • Free Telephone Banking (ADVANTAGE24)
  • Free automatic transfer from another customer account
  • Free eStatements (electronic version of account statement)
  • Free document images of items posted to the account
  • If the account becomes dormant (547 days without activity) and the ledger balance falls below $50, the account will be charged a monthly dormant account fee of $3.00

Money Market Accounts

Do you need a safety net for your finances? It’s not too late to save for your future. 1st Advantage Bank is here to help, offering competitive money market accounts which will help you get on the road to financial success plus giving you accessibility to those funds for the little bumps along the way.

ADVANTAGE Money Market Account can only be opened if customer has an ADVANTAGE Checking Account

  • $1,000.00 minimum to open
  • No monthly service charge
  • The account will be charged $5.00 per check in excess of three (3) per statement cycle
  • Offer Free Deluxe money market checks (40 per pack) and all re-orders are Free
  • Interest rate for each tier is higher than the Personal Money Market Account
  • If account is closed, then accrued interest is not paid
  • Images included with monthly account statement
  • Interest is calculated using the daily collected balance method, and interest begins to accrue no later than the business day we receive credit for the deposit of non-cash items (for example, checks)
  • If the collected balance falls below $1,000 on any day, interest is not earned for that day
  • The account must maintain a specific collected balance in order to obtain the APY offered for each of the following interest rate tiers. On any day the balance qualifies for a respective tier, interest will be earned at the respective APY on the entire collected balance for that day:
    • $1,000.00 to $9,999.99
    • $10,000.00 to $24,999.99
    • $25,000.00 to $49,999.99
    • $50,000.00 to $99,999.99
    • $100,000.00 to $249,999.99
    • $250,000.00 and up
  • Interest is compounded monthly and added to the balance of the account on the last day of the statement cycle (monthly)
  • The interest rate on this account may change at any time after the account is opened
  • This account is allowed only six (6) pre-authorized transfers or withdrawals per month or a combination of such transfers and withdrawals.

View Current Rates

You can have access to all of the following ADVANTAGES when you open a Money Market account with us:
  • Free Bank-by-Mail Service
  • Free Online Banking
  • Free Telephone Banking (ADVANTAGE24)
  • Free automatic transfer from another customer account
  • Free eStatements (electronic version of account statement)
  • Free document images of items posted to the account
  • If the account becomes dormant (547 days without activity) and the ledger balance falls below $100, the account will be charged a monthly dormant account fee of $3.00
  • Customer may apply for a Cash Reserve Loan that is tied to the deposit account to protect against overdrafts

Personal Money Market

  • $1,000.00 minimum to open
  • If the average daily ledger balance for the statement cycle falls below $1,000.00, the service charge will be $10.00 per statement cycle
  • The account will be charged an Excess Debit Fee of $1.00 for each debit transaction in excess of six (6) per statement cycle
  • This account is allowed only six (6) pre-authorized transfers or withdrawals per month or a combination of such transfers and withdrawals.
  • Images included with monthly account statement
  • Interest is calculated using the daily collected balance method, and interest begins to accrue no later than the business day we receive credit for the deposit of non-cash items (for example, checks)
  • If the collected balance falls below $1,000 on any day, interest is not earned for that day
  • The account must maintain a specific collected balance in order to obtain the APY offered for each of the following interest rate tiers. On any day the balance qualifies for a respective tier, interest will be earned at the respective APY on the entire collected balance for that day:
    • $1,000.00 to $24,999.99
    • $25,000.00 to $49,999.99
    • $50,000.00 to $99,999.99
    • $100,000.00 to $249,999.99
    • $250,000.00 and up
  • Interest is compounded monthly and added to the balance of the account on the last day of the statement cycle (monthly)
  • The interest rate on this account may change at any time after the account is opened
View Current Rates
You can have access to all of the following ADVANTAGES when you open a Money Market account with us:
  • Free Bank-by-Mail Service
  • Free Online Banking
  • Free Telephone Banking (ADVANTAGE24)
  • Free automatic transfer from another customer account
  • Free eStatements (electronic version of account statement)
  • Free document images of items posted to the account
  • If the account becomes dormant (547 days without activity) and the ledger balance falls below $100, the account will be charged a monthly dormant account fee of $3.00
  • Customer may apply for a Cash Reserve Loan that is tied to the deposit account to protect against overdrafts

Certificates of Deposit (CDs)

Maybe you’re saving for a rainy day, a down payment on a home, or your retirement nest egg. Whatever your savings goals are, we are here to help your realize them through our Certificates of Deposits. Brighter tomorrows begin today – with 1st ADVANTAGE Bank.

ADVANTAGE Certificates of Deposit (CDs)

  • If customer has opened an ADVANTAGE Checking Account, CD interest rate is Bumped Up ¼ of a point (.25%)
  • If customer has opened an ADVANTAGE Business Checking Account, CD interest rate is Bumped Up ¼ of a point (.25%)
  • A margin code (01) will be added to CD on system (to add .25% to effective interest rate)
  • If ADVANTAGE Checking account is closed, the margin code will be removed from CD
  • If ADVANTAGE Business Checking account is closed, the margin code will be removed from CD
View Current Rates

Certificates of Deposit (CDs)

  • $500.00 minimum to open
  • Terms ranging from 3 months to 5 years
  • Interest is compounded and credited quarterly (standard)
  • If CD is $10,000 or more, a monthly check may be issued (if customer requests)
  • Early withdrawal penalties will reduce earnings
  • A penalty of 1 month’s interest may be imposed for CDs with terms of 6 months or less
  • A penalty of 6 months’ interest may be imposed for CDs with terms over 6 months
  • CDs are automatically renewable, but there is a 10-day grace period from the maturity date to withdraw the funds without penalty
View Current Rates

Individual Retirement Accounts (IRAs)

Whether you are just starting to build your nest egg or you have reached your golden years, 1st ADVANTAGE Bank can help your realize your savings goals through our Individual Retirement Accounts (IRAs).

ADVANTAGE Individual Retirement Accounts (IRAs)

  • If customer has opened an ADVANTAGE Checking Account, IRA/CD interest rate is Bumped Up ¼ of a point (.25%)
  • A margin code (01) will be added to IRA/CD on system (to add .25% to effective interest rate)
  • If ADVANTAGE Checking Account is closed, the margin code will be removed from IRA/CD
View Current Rates

Individual Retirement Accounts (IRAs)

  • $500.00 minimum to open
  • Terms ranging from 3 months to 5 years
  • Interest is compounded and credited quarterly (standard)
  • If IRA is $10,000 or more, a monthly check may be issued (if customer requests)
  • Early withdrawal penalties will reduce earnings
  • A penalty of 1 month’s interest may be imposed for IRAs with terms of 6 months or less
  • A penalty of 6 months’ interest may be imposed for IRAs with terms over 6 months
  • IRAs are automatically renewable, but there is a 10-day grace period from the maturity date to withdraw the funds without penalty
  • Regular IRAs and Roth IRAs offered
View Current Rates