Household Products & Services

Household Regular Savings

The Regular Savings Account is a convenient, interest bearing account, with easy access to funds.

INTEREST RATE

The interest rate and annual percentage yield will be disclosed by posting in the lobby of the bank and will change at the discretion of the bank from time to time. The initial rate will be disclosed when the account is opened.

BALANCE COMPUTATION METHOD

The daily balance method is used to calculate the interest on this account. This method applies a daily periodic rate to the daily collected balance.

COMPOUNDING AND CREDITING

Interest will be credited at the end of the quarterly statement cycle and will be compounded quarterly. An account closed before interest is credited will not receive accrued interest that has not yet been credited to the account. Interest begins to accrue no later than the business day the bank receives credit for the deposit of non-cash items.

ACCOUNT FEES

  • No monthly maintenance fee if a $100.00 minimum daily collected balance is maintained throughout the statement cycle
  • Monthly maintenance fee waived for account owner under the age of 18.

STATEMENT CHARGES

NO charge for quarterly statements

MINIMUM DEPOSIT TO OPEN ACCOUNT

  • $100.00 minimum opening deposit
  • Minimum to open requirement waived for account owner under the age of 18.

All accounts and certificates of deposit are subject to the bank's Deposit Account Agreement and Disclosure, in effect from time-to-time. There may be additional charges and fees for services, as set forth in our Schedule of Service Charges and Fees.

For additional information on this account please contact a bank representative.


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American State Bank & Trust Company