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Features
- Interest paid with minimum account balance of $20.00
- Interest compounded daily and credited monthly
- No monthly maintenance fees
- Unlimited number of deposits, withdrawals, and transfers in person, by mail, or by ATM
- Up to six transfers per month using preauthorized withdrawals, online banking, or telephone banking
- Foreign ATM surcharge reimbursements up to $7.00 per month
Current Rates
Effective Date: Sunday, November 17, 2024
| Balance | Interest Rate | APY |
|---|---|---|
| $20.00 and over | 0.39920% | 0.40% |
Interest rate and APY may change daily after the account is opened. Fees could reduce earnings.
* Interest rate and APY are fixed for the club year.
Rate Information:
Rate Information: This is an interest bearing account. Please review our current rate schedule for interest rates and annual percentage yields.
Frequency of Rate Changes: The interest rate and annual percentage yield may change daily at the Bank's discretion.
Compounding and Crediting of Interest: Interest is compounded daily and credited every monthly statement cycle.
Minimum Balance Requirements: There is no minimum deposit to open an account. You must maintain a daily balance of $20.00 to obtain the disclosed annual percentage yield.
Balance Computation Method: We use the daily balance method to compute interest on your account. This method applies a daily periodic rate to the principal in the account each day.
Accrual of Interest on Deposits: Interest begins to accrue on non-cash items (for example, checks) on the business day of deposit.
Transaction Limitations: Transfers from a Statement Savings Account to another account or to third parties by pre-authorized, automatic, telephone or online banking transfers are limited to six per monthly cycle with no transfers by check, draft, debit card or similar order to third parties.
Withdrawal limitations: At any time we reserve the right to require not less than seven days notice in writing before any withdrawal from an interest bearing account.
Account Inactivity: An account is considered inactive/dormant if for 1 year there have been no transactions to the account. Account Inactivity Fee: $5.00 is charged per month if the balance is $100.00 or less.
Fees: Please refer to "Other Charges in Connection with an Account" for additional information regarding applicable fees and charges.
Other Charges in Connection with an Account
| Service | Fee |
|---|---|
| Account Research | $10.00/hour |
| Account Reconciliation Charge | $10.00/hour (no charge in case of bank error) |
| ACH Return | $30.00 |
| ATM/Debit Card | Free at New Tripoli Bank owned ATM's (foreign surcharges reimbursed up to $7.00 per month) |
| Certified Check | $10.00 |
| Check Collection Charge | $5.00 |
| Check Printing Charge | Free checks and deposit tickets (certain restrictions on style and quantity) |
| Coin Counting | Free (New Tripoli Bank Customers) |
| E-Statement | Free |
| Lost or Replacement Debit/ATM Card | $5.00 |
| Online Banking/Bill Pay | Free |
| Overdraft Protection Transaction | Free |
| Overdraft/NSF Item (Paid or Returned) | $30.00 This fee may be imposed for overdrafts by checks, in-person withdrawals, ATM withdrawals, debit card transactions, preauthorized automatic debits, telephone transfers, online banking transactions or other electronic means. |
| Return Item Charge | $12.00 |
| Safe Deposit Box | Price varies based on size of box |
| Signature Guarantee | Free (New Tripoli Bank Customers) |
| Stop Payment | $25.00 |
| Stop Payment Renewal | $25.00 |
| Telephone Banking (Dial-A-Bank) | Free |
Extraordinary Charges (include, but are not limited to):
| Service | Fee |
|---|---|
| Called Bond | $20.00 |
| Cashier's Check | $5.00 |
| Copy of an Item | $3.00 |
| Domestic Wire Transfer (outgoing) | $20.00 |
| Foreign Wire Transfer (outgoing) | $40.00 |
| Incoming Wire Transfer | $10.00 |
| Garnishment | $100.00 |
| Levy | $100.00 |
| Money Order | $2.50 |