Personal Banking Business Banking

Products and Rates

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Products

Minimum Opening Balance

 

Minimum Average Daily balance

 

Service Charge if Average Daily Balance Falls Below the Minimum

Interest Bearing Account

 

ATM or Visa Check Card

 

Transactions Limit

 

Free Text Alerts

 

Free Online Banking

 

Mobile Banking with Mobile Deposit

 

Checking Accounts

                 
Freedom Checking 1 $50.00 None N/A No Yes None Yes Yes Yes
Freedom Business
Checking 1 & 4
$100.00 $1,000.00 $8.00 No Yes Yes 4 Yes Yes Yes
Civis Checking $50.00 None N/A No Yes None Yes Yes No
Civis Business Checking 4 $100.00 $1,000.00 $8.00 No Yes Yes 4 Yes Yes No
Privileges Checking 2 $100.00 $1,000.00 $8.00 No Yes None Yes Yes Yes

Interest Checking

                 
N.O.W. Checking $1,000.00 $1,000.00 $8.00 Yes Yes None Yes Yes Yes
Advantage Checking 3 $5,000.00 $5,000.00 $15.00 Yes Yes None Yes Yes Yes
Money Matters -
Money Market 5
$1,250.00 $1,250.00 $7.00 Yes No Yes 5 Yes Yes Yes
                   

Savings Accounts6

                 
Civis Savings $100.00 $100.00 $5.00 Yes N/A Yes 6 N/A N/A N/A
"Pig E. Savings"
For Minors < 18
None None None Yes N/A Yes 6 N/A N/A N/A
Christmas Club None None None Yes N/A Yes 6 N/A N/A N/A
Dream Account None None None Yes N/A Yes 6 N/A N/A N/A
Certificates of Deposit $1,000.00 N/A N/A Yes N/A Yes 7 N/A N/A N/A
I.R.A. Saving None None N/A Yes N/A N/A N/A N/A N/A
I.R.A. CD Account $500.00 N/A N/A Yes N/A N/A N/A N/A N/A

1 Freedom Checking and Freedom Business Checking accounts incur a monthly Freedom Checking Fee of $5.95 per month.  Insurance products such as Freedom IDProtect are not insured by FDIC or any Federal Government Agency; not a deposit of or guaranteed by the bank or any bank affiliate.  Click here to see more information on Freedom IDProtect.

2 Privileges Club Account Fee Chart

*Privilege account includes Free Checks, Free Official Checks, and ID Protect@

Level Service Charge 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

* AD&D Insurance is not FDIC insured nor is it a deposit of the bank.

3 Advantage Checking & Money Matters Rate Chart

*Advantage account includes Free Checks, Free Official Checks, and ID Protect@

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%

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

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

6 All Savings Accounts have a monthly withdrawal or any transfer transaction limit of six (6) withdrawals or transfers per calendar month.  A $5.00 service charge for each withdrawal over the limit will be accessed per calendar month.  Savings Accounts have a limit of 6 third-party checks, intra-bank account transfers, telephone transfers, Telebank transfers, Online Banking transfers, Preauthorized ACH transfers or automatic transfers per monthly cycle.  A $3.00 service charge fee applies for each debit transaction in excess of six (6) during the calendar month.

Certificate of Deposit Rate Chart

CD Term7 Interest Rate Annual Percentage Yield8
31 Days 0.15% 0.15%
60 Days 0.20% 0.20%
90 Days 0.20% 0.19%
182 Days 0.20% 0.20%
12 Months 0.25% 0.25%
18 Months 0.40% 0.39%
24 Months 0.50% 0.49%
30 Months 0.65% 0.64%
36 Months and Over 0.75% 0.74%
48 Months and Over 1.00% 0.98%
60 Months and Over 1.15% 1.12%

7 Early Withdrawal penalties may apply and Minimum opening deposit of $1,000.00 is required.

8 Minimum balance of $1,000.00 required to get Annual Percentage Yield.

IMPORTANT NOTICE – The rates quoted in the charts above are effective as of March 17, 2015.  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!

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: $3.00

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.
Checking Accounts
- No transaction activity for 6 months.

Stop Payments - $31.00

Returned Item Fee or

Paid Item Overdraft Fee - $31.00

Continuous Overdraft Fee
Accounts with a negative balance over 10 business days will be charged $3.00 per day.

Account Research
$25.00 per hour – 1 hour minimum

Dormant Account Fee:  $15.00 Quarterly
Savings Accounts
- No transaction activity for 24 months.
Checking Accounts
- No transaction activity for 12 months.

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.

Mortgages – See our Mortgage page for more information at http://www.civismortgage.com

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

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