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PERSONAL BANKING

CHECKING


MONEY MARKET

SAVINGS, CDS & IRAs


 

Personal Checking

For individuals maintaining moderate balances and writing many checks.

Minimum Initial Deposit $500
Monthly Maintenance Fee $12
Daily Minimum Balance to Waive the Monthly Maintenance Fee $1,000
Check Access Fee

Up to 50 free debits per statement cycle. $.10 per debit over 50

ATM and POS Transactions Unlimited/free STAR & PLUS System network locations. 3rd party charges may apply.
Overdraft Protection Available upon credit approval

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55 Checking

Uniquely designed for depositors age 55 or better

Minimum Initial Deposit $200
Monthly Maintenance Fee $8
Average Monthly Balance to Waive the Monthly Maintenance Fee $1,000
Check Access Fee

Up to 50 free debits per statement cycle. $.10 per debit over 50

ATM and POS Transactions Unlimited/free STAR & PLUS System network locations. 3rd party charges may apply
Overdraft Protection Available upon credit approval

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Personal Interest Checking

A variable interest earning account for individuals maintaining higher balances.

Minimum Initial Deposit $500
Monthly Maintenance Fee $14
Average Monthly Balance to Waive the Monthly Maintenance Fee $2,500
Check Access Fee

Up to 50 free debits per statement cycle. $.10 per debit over 50.

ATM and POS Transactions Unlimited/free STAR & PLUS System network locations. 3rd party charges may apply.
Overdraft Protection Available upon credit approval

INTEREST TIERS*
$2,500 - $9,999
$10,000 - $49,999
$50,000 - $99,999
$100,000 +

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Money Market

A higher interest earning variable rate money market account.

Minimum Initial Deposit $2,500
Monthly Maintenance Fee $15
Daily Minimum Balance to Waive the Monthly Maintenance Fee $2,500
Withdrawals

Unlimited if made in person, by mail, messenger or at an ATM

Transfers/Check Access Up to 6 preauthorized, automatic or telephone transfers, 3 of which may be made by check, POS or ACH
Excess Debit Fee $10 per item

INTEREST TIERS*
$2,500 - $9,999
$10,000 - $49,999
$50,000 - $99,999
$100,000 +

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Stellar Money Market

A higher interest earning variable tiered rate money market account.

Minimum Initial Deposit $25,000
Monthly Maintenance Fee $25
Daily Minimum Balance to Waive the Monthly Maintenance Fee $25,000
Withdrawals

Unlimited if made in person, by mail, messenger or at the ATM

Transfers/Check Access Up to 6 preauthorized, automatic or telephone transfers, 3 of which may be made by check, POS or ACH
Excess Debit Fee $10 per item

INTEREST TIERS*
$10,000 - $24,999
$25,000 - $49,999
$50,000 - $99,999
$100,000 +

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One Rate Money Market

A variable rate, non-tiered money market account.

Minimum Initial Deposit $2,500
Monthly Maintenance Fee $15
Daily Minimum Balance to Waive the Monthly Maintenance Fee $2,500
Withdrawals

Unlimited if made in person, by mail, messenger or at the ATM

Transfers/Check Access Up to 6 preauthorized, automatic or telephone transfers, 3 of which may be made by check, POS or ACH
Excess Debit Fee $10 per item
Interest* Compounded daily and paid monthly on daily collected
balances.

 

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SAVINGS, CDs & IRAs

Savings

A variable rate regular savings account.

Minimum Initial Deposit $200
Quarterly Maintenance Fee $10
Daily Minimum Balance to Waive the Quarterly Maintenance Fee $500
Excess Debit Fee

$10 per item

Interest* Compounded daily and paid quarterly on daily collected balances
Withdrawals Unlimited if made in person or at an ATM
Transfers Up to 6 preauthorized, automatic or telephone transfers, 3 of which may be made by check, POS or ACH

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Time Deposits

Time Deposits offering various rates and terms.

Minimum Initial Deposit $2,500
Monthly Maintenance Fee None

Interest

Fixed
Withdrawals Early withdrawal penalty may apply

INTEREST TIERS**
$2,500 - $99,999
$100,000 +

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Individual Retirement Accounts

A tax deferred retirement savings plan offering fixed rates.

Minimum Initial Deposit $200
Interest Fixed
Withdrawals Early withdrawal penalty may apply

INTEREST TIERS**
$200 - $99,000
$100,000 +

 

The term “month” or “monthly” refers to the given cycle for the designated account.

*The interest rate and annual percentage yield will depend on the balance in the account as shown on the Rate Chart. The interest rate and annual percentage yield may change. Interest begins to accrue no later than the business day we receive credit for the deposit of noncash items. Interest will be compounded daily and will be credited to the account monthly or quarterly. If the account is closed before interest is credited you will not receive the accrued interest.

**The interest and annual percentage yield depends upon the balance in the account as shown on the Rate Chart. The interest rate and annual percentage yield will not change for the term of the account. Interest begins to accrue no later than the business day we receive credit for the deposit of noncash items. Interest will not be compounded. Interest may be paid monthly, quarterly, annually or at maturity.

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FDIC
Member FDIC

Stellar Business Bank

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Notices to Customers
Your deposits at Stellar Business Bank are now insured up to at least $250,000 per depositor through December 31, 2013. On January 1, 2014, the standard insurance amount will return to $100,000 per depositor for all account categories except for IRAs and other certain retirement accounts which will remain at $250,000 per depositor.

Stellar Business Bank is participating in the FDIC’s Transaction Account Guarantee Program. Under that program, through
June 30, 2010, all noninterest-bearing transaction accounts are fully guaranteed by the FDIC for the entire amount in the account. Coverage under the Transaction Account Guarantee Program is in addition to and separate from the coverage available under the FDIC’s general deposit insurance rules.

NOTICE: Stellar Business Bank is not responsible for and has no control over the subject matter, content, information,
or graphics of the web sites that have links here. Please contact us with any concerns or comments.