|
|
|
|
|
|
|
|
|
|
|
|
||||
|
|
|
|
||||
|
|
|
|
|
|
||
|
|
|
|
|
|||
|
 |
 |
PERSONAL BANKING |
|
|||||||
 |
 |
Personal Checking
Personal Interest Checking This single account offers simple and flexible solutions for all your banking needs. You must maintain a minimum daily balance of $100.00 in this account to obtain the Annual Percentage Yield listed for the account. A minimum daily balance of $100.00 must be maintained in order to avoid the imposition of a $10.00 monthly maintenance service charge. We use the daily balance method to calculate the interest on your account. This method applies a daily periodic rate to the principal in the account each day. With this account you also have:
Please see your Personal Banker with any questions, and for the detailed Terms and Conditions of your account, and the Weekly Rate Sheet. Non-Interest Checking This is a non-interest bearing account. There is no minimum balance requirement. There is no monthly maintenance service charge. With this account you also have:
Statement Savings This Statement Savings account helps you save while offering a competitive rate of interest, compounded daily. No monthly service charges are assessed when you maintain a minimum daily balance of $100 plus:
Personal Money Market If you maintain a minimum daily balance of $1,000, you will earn interest and pay no monthly service charges. This account pays an increasing rate of interest as your balance increases permitting us to pay a competitive yield. You may have up to six preauthorized transfers including: automatic, computer, and Automated Clearing House (ACH) per month, of which no more than three can be made by check, debit card, draft, or similar order. We use the daily balance method to calculate the interest on your account. This method applies a daily periodic rate to the principal in the account each day. Other benefits include:
Certificates of Deposit (CD) In exchange for a fixed-term commitment of your funds, you will receive a high rate of interest, compounded daily, from the day of deposit to the day of withdrawal. You can set the term that meets your needs, ranging from 3 months to 5 years. CDs can be opened for as little as $1,000 and are a great way to watch your FDIC insured money grow. Jumbo Certificates of Deposit (CD) CDs in the amounts of $100,000 or more are available. Please see your Personal Banker for rates, terms and conditions. Individual Retirement Accounts (IRAs) An IRA is one of the best and easiest ways to plan for your future. Recent legislation enhanced the features of Traditional IRAs by creating two new types of non-deductible IRAs--the Roth and Educations IRAs--that feature tax-free distributions. IRA investments can be placed in any of our CD products or in Statement Savings where you can make additional contributions at any time. All interest is compounded daily. Depending on the type of IRA you choose, the interest you earn may either be tax deferred or tax free and the contributions you make may be tax deductible. Consult your tax advisor for advice on your limitations of tax deductions. Please see your Personal Banker with any questions, for terms and conditions of your account, and the current interest rate information. Master Money™ Debit Card With your Master Money™ Debit Card, you can make withdrawals and purchases anywhere STAR or MasterCard is accepted, as well as deposits at most STAR machines. Your transactions are posted to your checking account and are detailed on your monthly statement. To report a lost or stolen Master Money Debit Card, please call 800-500-1044. Allegiance Internet Banking Offering most of the same advantages as Personal Banking, your visit to AllegBank.Com through your personal computer and Internet connection allows for 24 hour banking from your home, business, or while traveling; access to account information; the capability to transfer funds between Allegiance Bank accounts; and the ability to pay your bills. Please contact your Personal Banker for instructions on how to take advantage of this great product. Consumer Loans Home Equity Loans and Lines of Credit If you are a homeowner, borrowing on the equity in your home may offer you significant advantages. Allegiance Bank offers a variety of Home Equity loan choices as outlined below. Consult with your tax advisor to determine if the interest on these loans may be tax deductible. Personal Loans Secured and unsecured personal loans are available to assist you with debt consolidation, purchases, and special occasions.You can have your payment automatically deducted from your Allegiance Bank Checking or Savings account. Automobile Loans Buy the car you want with payments that match your lifestyle. Allegiance Bank offers flexible terms for your purchase of new or used cars. STAR Overdraft Courtesy You can protect yourself against overdrafts in your checking account with this service. It is also a great source of extra cash when needed, and it costs nothing until you use it.
Visa® A variety of credit card options are available. Contact your personal banker for |
|
||||||||
 |
 |
|
|||||||||
 |
 |
|
|||||||||
 |
 |
|
|||||||||
 |
 |
|
|||||||||
 |
 |
|
|||||||||
 |
 |
|
|
|
 |
|
|
|
|
HOME
|
|
|
|
|
First order of checks is free
PERSONAL BANKING