Get the app

 

Checking and Savings
Personal Accounts

ACS Bank offers a variety of account types suited to meet your personal banking needs. Whether you are looking to open a new checking account or start saving for the future- our mission is to provide products with your best interest in mind. The differences between each account type are what make one or the other right for you.

  • Efficient Checking

    Opening Deposit:

    • $100

    Account Features:

    • No balance requirement
    • No monthly maintenance fee regardless of balance
    • Free e-Statements
    • Interest paid monthly on a tiered basis- see us for current rates**
    • ATM fees refunded ***
    • Free online banking
    • Unlimited ATM withdrawals

    **Interest rates are variable and subject to change
    ***ATM fees up to $20.00 per month will be refunded

    Requirements:

    Must complete following requirements to get interest paid and ATM fees refunded

    1. At least 15 debit card transactions each statement cycle. ATM withdrawals not included
    2. Accept electronic delivery of statements
    3. Maintain a valid email address
    4. Have at least one ACH (direct deposit or direct withdrawal) from your account each statement cycle
  • Basic Checking

    Opening Deposit:

    • $100

    Account Features:

    • No balance requirement
    • No monthly maintenance fee regardless of balance
    • Free e-Statements
    • $5.00 fee for monthly paper statement
    • No interest paid
    • Free online banking
    • Unlimited check writing
    • Unlimited ATM withdrawals
  • Plus Point Checking

    Opening Deposit:

    • $100

    Balance Requirement:

    • $1,000 minimum daily balance or $2,000 average balance

    Maintenance Fee:

    • $10 monthly maintenance fee if balance falls below $1,000

    Account Features:

    • Free e-Statements
    • Free paper statements
    • Interest paid monthly – see us for current rates**
    • Free online banking
    • Unlimited check writing
    • Unlimited ATM withdrawals

    **Interest rates are variable and subject to change

  • Founders Checking

    Opening Deposit:

    • $100

    Balance Requirement:

    • $5000 combined average balance in checking, savings, money market account or time deposits to avoid monthly maintenance fee

    Maintenance Fee:

    • $10 monthly maintenance fee if combined balance falls below $5,000

    Account Features:

    • 1 free box of personalized wallet style checks per year
    • Free money orders and 3 free cashiers checks
    • Free e-Statements
    • Free paper statements
    • Interest paid monthly – see us for current rates**
    • Free online banking
    • Unlimited check writing
    • Unlimited ATM withdrawals

    **Interest rates are variable and subject to change

  • Savings Account

    Opening Deposit:

    • $100

    Balance Requirements:

    • $250 minimum daily balance

    Maintenance Fee:

    • $5 low balance fee if balance falls below $250

    Withdrawal Limitations:

    • Limited to 6 withdrawals per month
    • $3 for each withdrawal in excess of 6

    Account Features:

    • Quarterly paper statement
    • Interest paid quarterly – see us for current rates**
    • Free online banking
    • Unlimited deposits

    **Interest rates are variable and subject to change

  • Minor Savings Account

    Opening Deposit:

    • $25

    Balance Requirements:

    • Waived for minors until age of 18

    Maintenance Fee:

    • Waived for minors until age of 18

    Withdrawal Limitations:

    • Limited to 6 withdrawals per month
    • $3 for each withdrawal in excess of 6

    Account Features:

    • Quarterly paper statement
    • Interest paid quarterly – see us for current rates**
    • Free online banking
    • Unlimited deposits

    **Interest rates are variable and subject to change

  • Money Market

    Opening Deposit:

    • $100

    Balance Requirement:

    • $1500 minimum daily balance

    Maintenance Fee:

    • $15 monthly maintenance fee if balance falls below $1500

    Withdrawal Limitations:

    • Limited to 6 withdrawals per month
    • $15 for each additional withdrawal over 6

    Account Features:

    • Free e-Statements
    • Free monthly paper statements
    • Interest paid monthly on a tiered basis- see us for current rates**
    • Free online banking
    • Unlimited deposits

    **Interest rates are variable and subject to change

  • Investors Account

    Opening Deposit:

    • $10,000

    Balance Requirement:

    • $10,000 minimum daily balance

    Maintenance Fee:

    • $15 monthly maintenance fee if balance falls below $10,000

    Withdrawal Limitations:

    • Limited to 6 withdrawals per month
    • $15 for each additional withdrawal over 6

    Account Features:

    • Free e-Statements
    • Free monthly paper statements
    • Interest paid monthly on a tiered basis- see us for current rates**
    • Free online banking
    • Unlimited deposits

    ** Interest rates are variable and subject to change

  • Christmas Club

    Opening Deposit:

    • $25

    Withdrawal Limitations:

    • No withdrawals are allowed on this account
    • $15 withdrawal fee

    Account Features:

    • Interest paid at maturity- see us for current rates**
    • Account balance and interest are disbursed to customer by check the 2nd business day of  November
    • No balance requirement
    • No monthly maintenance fees
    • Free online banking
    • Unlimited deposits

    ** Interest rates are variable and subject to change

  • Health Savings Account (HSA)

    Opening Deposit:

    • $25

    Withdrawal Limitations:

    • Withdrawals should be used to pay or reimburse qualified medical expenses only

    Account Features:

    • No balance requirement
    • $3 monthly service charge
    • Monthly paper statements
    • Interest paid on monthly tiered basis- see us for current rates**
    • Free online banking
    • Unlimited deposits and withdrawals
    • Account may be tax deductible

    ** Interest rates are variable and subject to change

  • Certificate of Deposit (CD)

    Certificate of Deposit

    • $1000 minimum to open
    • Available terms - 31 days to 5 years
    • Withdrawals are allowed during Certificate of Deposit grace periods 
    • Penalty for early withdrawal 
    • Fixed rate
    • Interest may be paid quarterly, monthly or at maturity; by check, ACH, deposit to another account, or added back to the certificate 
    • Automatically renewable

     

    Please call for current rates.

  • Individual Retirement Accounts (IRA)

    Individual Retirement Account (IRA)

    ACS Bank offers tax-advantaged savings options for retirement. We offer a variety of retirement accounts including Traditional, Roths and SEPs. For more details and rates, please give us a call or visit one of our locations.