Deposit Products

totalACCESS Checking           

Set up a monthly direct deposit, make at least 10 debit card purchases, and receive your statement electronically each month and you will earn 4.14% APY * up to $25,000 for the month. Plus, use any ATM nationwide and we will waive any foreign fees you may incur. And the account is really FREE.

*4.14% Annual Percentage Yield for totalACCESS Checking is paid on daily collected balances up to and equaling $25,000 as long as account qualifiers are met.  To qualify, account must receive a monthly direct deposit, must have a minimum of 10 debit card purchases per month, and must receive statements electronically.  If account qualifiers are not met, the account is paid an APY of 0.25% up to and equaling $25,000.  All balances that exceed $25,000 are paid an APY of 1.00%.  Rates are subject to change without notice.  Rate is valid as of 6-30-2010.  Fees may reduce earnings. Statement cycles on the last business day of every month.

 Deposit Account Application

rewardACCESS Checking

The FREE account that pays you. Make everyday purchases with your  Debit Card and we will pay you 5¢ for each transaction. Your account will be credited on or about the 10th of each month for the transactions you did the previous calendar month. And the account is really FREE. 

 Deposit Account Application

completeACCESS Checking

The account that pays you market rate interest. Keep a minimum of $5,000 in combined balances in any or several  deposit accounts and get really FREE services and earn market rate interest.

Minimum Opening Deposit	$100
Minimum Balance Required	$5,000 Combined Balances in any  account
Monthly Service Charge	$20 if below $5,000
Pays Interest	Paid Monthly Interest Tiers: $1,000 to $4,999.99 $5,000 to $9,999.99 $10,000 to $24,999.99 $25,000 and over
Unlimited Check Writing	Yes
Online Access	FREE
Online Access Bill Pay	FREE
Debit Card	FREE
Electronic Statement	FREE
First box of ACCESSbank Checks	FREE
Any ATM, Any Time	Use your ATM card at any ATM in the continental United States and we will not charge you PLUS we will refund all foreign ATM fees you may be charged by others.

 Deposit Account Application

ACCESSsavings

Start saving for a rainy day or that special purchase you want to make. And the account is really FREE.

 Deposit Account Application

ACCESSmoneymarket

A competitive rate interest bearing account that gives you convenient access with check writing. And the account is really FREE.

 Deposit Account Application

ACCESScd

Certificates of Deposit are offered at a variety of terms and interest rates. Minimum opening deposit for an ACCESScd is $1,000. Please contact your banker for additional information or to open a certificate.

 Deposit Account Application

 On October 3, 2008 the Federal Deposit Insurance Corporation (FDIC) temporarily increased deposit insurance from $100,000 to $250,000 per depositor. The increase is effective through December 31, 2013.

ACCESSbank is participating in the FDIC's Transaction Account Guarantee Program. Under that program, through December 31, 2010, all non-interest 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 seperate from the coverage available under the FDIC's general deposit insurance rules. The TAG Program will only cover an interest bearing account earning no more than 0.25% APY, a decrease from 0.50% APY, effective July 1, 2010. This program does not include interest bearing transaction accounts which are insured up to $250,000 per depositor. Accounts not included in the TAG Program are completeACCESS, totalACCESS and ACCESSmoneymarket accounts.