| Interest Bearing Checking | |||
| Product | Tiers | APY | |
| Yield Plus | $10,000-$249,999 | 1.00% | APPLY |
| Yield Plus | $1,000-$9,999 | .50% | APPLY |
| Yield Plus | $0.01-$999 | .10% | APPLY |
| Non-Interest Bearing Checking | |||
| Product | |||
| Totally Free | APPLY | ||
| Advantage Plus Image | APPLY | ||
| eAdvantage | APPLY | ||
Account Descriptions
- Yield Plus High Rate Checking
- eAdvantage Checking
- eAdvantage Savings
- eAdvantage Money Market
- Advantage Totally Free Checking
- Advantage Plus Image Checking
- Certificate of Deposit (CD) - Various Terms Available
- No ATM Fees Nationwide
- High Yield
- Free first bank stock check order
- Free Bill Pay
- Free Debit Card
- Free Mobile Banking
- Free Wealth Management Consultation
- Get $50 for signing up with Direct Deposit
- Get $50 for signing up for Online Banking
- Tiered Interest Rates based on Balances
- $1 minimum to open
- No fees from Columbia Bank when you use your ATM or Visa® CheckCard
- Enjoy all the FREE Online Banking and Bill Pay features
Requirements:
- $250 daily minimum balance
- Register for Online Banking with eStatements
- Apply for a Visa® CheckCard
- $7 monthly service charge for not meeting the above requirements
- Non-refundable ATM operator feeds, foreign currency exchange and transaction fees may apply
- Interest compounded and credited monthly
- $1 minimum to open, $10 minimum to earn interest
- Enjoy all the FREE Online Banking and Bill Pay features
Requirements:
- $50 daily minimum balance to avoid a monthly service charge
- Register for Online Banking with eStatements
- $2 monthly service charge for not meeting the above requirements
- Tiered interest rates, compounded and credited monthly
- $10,000 minimum to open and earn interest
- No fees from Columbia Bank when you use your ATM or Visa® CheckCard
- Enjoy all the FREE Online Banking and Bill Pay features
Requirements:
- $10,000 daily minimum balance to avoid a monthly service charge
- Register for Online Banking with eStatements
- $10 monthly service charge for not meeting the above requirements
Tiers:
- Tier 1 - $0.00 - $2,499.99
- Tier 2 - $2,500.00 - $9,999.99
- Tier 3 - $10,000.00 - $24,999.99
- Tier 4 - $25,000.00 - $49.999.99
- Tier 5 - $50,000.00 and up
Advantage Totally Free Checking
- No minimum balance requirement
- No monthly service charges
- $1,000 daily minimum balance required to avoid a monthly service charge
- FREE ATM transactions at any PLUS®, NYCE® or VISA® ATM terminals2
- Bonus rates on featured "AP" CD's
- Rate discount on certain loans3
- $50 discount on Residential Mortgage applications
- Free Certified Checks, Cashiers Checks, Money Orders and Travelers' Cheques
- Discounted AMEX® Gift Cheques and VISA® Gift Cards
- Free Wealth Management Financial Consultation, provided by Columbia Financial Services
- Free checks for LIFE!1
Certificate of Deposit (CD) - Various Terms May Be Available
- Competitive rates
- $500 minimum balance to open and earn interest
- Watch your earnings grow with an eStatement format
- 7 calendar day grace period for renewals, starting with the maturity date
- Online Banking Access
Columbia Bank Account Disclosure
ANNUAL PERCENTAGE YIELD = APY
All information on this disclosure is accurate for the effective date listed above. Current interest rate and annual percentage yields are always available by calling 1-800-747-4428. All deposits of cash and non-cash (for example, checks) into interest bearing accounts begin earning interest from the day of deposit to the date of withdrawal as long as the minimum balance requirement is maintained. We use the daily balance method to calculate interest on all interest bearing accounts, applying a daily periodic rate to the principal balance in the account each day. The interest rates and annual percentage yields on all variable interest rate accounts may change daily. Promotional rate certificates are available only at promotional offices. Promotional rate certificates and Advantage Plus (AP) certificates will only receive the promotional or AP rate of interest for the initial term of the certificate unless the Pricing Commttee elects to continue this promotional rate or AP rate for the same term at maturity at the branch the certificate was opened. Interest rates are not tied into any index. They are established at the discretion of the Columbia Bank Pricing Committee. The interest rates on all fixed rate accounts will be paid up until the date of maturity. For savings certificate accounts that compound interest, the annual percentage yield assumes interest will remain on deposit for a full year. A withdrawal will reduce earnings. The minimum amount to open a variable rate interest bearing account is $1.00. The minimum to open a New Jersey Consumer Checking (N.J.C.C.) account is $50.00. The minimum to open any other non-interest bearing account is $.01. The minimum to open any fixed rate certificate account is the same daily minimum to earn the annual percentage yield. Additional deposits to fixed rate savings certificates may only be made during the grace period. Only interest that has been credited to your certificate account during the current term may be withdrawn.
For consumer accounts only. Annual Percentage Yields (APYs) are accurate as of publication date and subject to change at anytime. The APYs quoted above require direct deposit or an online bill payment transaction to post to your account each statement cycle (on balances of $250,000 and more, the APY will range from 1.01% to .33%). Cycles where these requirements are not met, the current APY is .10%. No Columbia ATM fees when you use domestic ATMs. Refund of domestic ATM surcharges charged by other ATM owners limited to six per statement cycle or $20, whichever is less. Standard text and data rates may apply from your phone provider with mobile banking. $50 will be deposited into your account within 60 days after you conducted your first direct deposit transaction. $50 will be deposited within 60 days after your first online banking bill payment transaction. To earn these bonuses, the activity must occur within 60 days after account opening. New accounts only. Cash bonuses will be reported to the IRS.
Yield Plus Checking Disclosure 
Advantage Money Market Deposit Account Disclosure: All information on this disclosure is accurate for the effective date listed above. All deposits of cash and non-cash (for example, checks) into an interest bearing Advantage Money Market Deposit Account (MMDA) begin earning interest from the day of deposit to the date of withdrawal. We use the daily balance method to calculate interest on all interest bearing accounts, applying a daily periodic rate to the principal balance in the account each day. The interest rates and annual percentage yields on the variable rate interest bearing Advantage MMDA may change daily. Interest rates are not tied into any index. They are established at the discretion of the Columbia Bank Pricing Committee. The minimum daily balance to avoid a monthly service charge is $2,500.00. If the balance goes below the minimum daily balance at any time during the monthly statement cycle, a monthly service charge of $12.00 will be imposed. Federal regulations limit the number of checks written, POS purchases or other electronic transactions that you can make to six per statement cycle. A $15.00 fee will be charged for each transaction that exceeds the six per statement cycle. Interest is credited monthly and compounded monthly. Interest is calculated daily on the full balance in the account based on the stated interest rate that corresponds to the applicable deposit tier. If you close your variable rate Advantage MMDA before interest is credited, you will not receive the accrued interest. Please see our Deposit Account Agreement and Disclosure and our General Schedule of Fees for other fees that may apply to this account.
The APY† shown above is available if you open a Columbia Bank Advantage PLUS Checking Account. If at any time during the term of your CD, this checking account is not maintained, you will earn the regular CD Annual Percentage Yield.
*Interest will be credited on the next to the last business day of each interest crediting period and at maturity. That interest is available to be withdrawn the following business day.
**If the balance goes below the daily minimum balance at any time during the monthly statement cycle, the applicable monthly service charge will be imposed.
***The penalty for a premature withdrawal during the initial or any subsequent renewal term will be at the rate being paid on the account, regardless of the length of time the funds have remained on deposit. Any withdrawal which reduces the account balance below the initial/renewal balance shall be considered as a withdrawal of the entire account balance.
****All fixed rate savings certificates provide for automatic renewal unless at least 5 days (for 7 day or 28 day CDs) or at least 10 days (for all other CDs) prior to the maturity date Columbia gives written notice to the account holder that the account will not be renewed. In such event, upon maturity, the account will be converted to a variable rate savings account and receive earnings at the interest rate then paid on variable rate savings accounts. The 7 day and 28 day certificates have no grace period. The grace period for all other certificates is seven days from the date of maturity. During the grace period, funds can be withdrawn without penalty and will earn interest at the rate Columbia is offering on the maturity date on certificate accounts for that term.
*includes overdrafts created by check, in-person withdrawal, ATM (automated teller machine) withdrawal, ACH (automated clearinghouse) withdrawal, POS (point of sale) withdrawal, or other electronic means.
An earnings credit is calculated on the average collected monthly balances less a 10% reserve requirement maintained in this
Demand Deposit Account. The above monthly earnings credit and fees are calculated monthly. The total accumulated
monthly fees are offset by the monthly earnings credit calculation which will result in a net charge or carry over credit toward
the following month. The earnings credit rate is subject to change at any time.
Business Money Market Accounts require a $.01 daily minimum balance to earn interest which is credited and compounded
monthly. There is no monthly service charge. Interest rates and minimum balances are established by the Columbia
Bank Pricing Committee and are subject to change at any time. The current tiered balance equirements and interest
rates are listed below.
These charges will be debited from the account(s) affected and will be reflected on the periodic statement. If your ATM card or CheckCard is lost, stolen or damaged, the charge to re-issue you another card is $5.00
