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.
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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 refundedRequirements:
Must complete following requirements to get interest paid and ATM fees refunded
- At least 15 debit card transactions each statement cycle. ATM withdrawals not included
- Accept electronic delivery of statements
- Maintain a valid email address
- Have at least one ACH (direct deposit or direct withdrawal) from your account each statement cycle
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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
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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
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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
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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
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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
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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
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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
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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
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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
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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.
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Individual Retirement Accounts (IRA)