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
Free Text Alerts
Free Online Banking
Mobile Banking with Mobile Deposit
|Freedom Checking 1||$50.00||None||N/A||No||Yes||None||Yes||Yes||Yes|
Checking 1 & 4
|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|
|Advantage Checking 3||$5,000.00||$5,000.00||$15.00||Yes||Yes||None||Yes||Yes||Yes|
|Money Matters -
Money Market 5
|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
|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. 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.
*Privilege account includes Free Checks, Free Official Checks, and ID Protect@
|Level||Service Charge Fee||Accidental Death & Dismemberment Insurance Benefit *|
|Club 62+ Gold||$9.00||$25,000|
* AD&D Insurance is not FDIC insured nor is it a deposit of the bank.
*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.
|CD Term7||Interest Rate||Annual Percentage Yield8|
|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!
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
Stop Payments - $31.00
Returned Item Fee or
Paid Item Overdraft Fee - $31.00
Continuous Overdraft Fee
Dormant Account Fee: $15.00 Quarterly
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