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Account Descriptions

  • Yield Plus High Rate Checking
  • Advantage Totally Free Checking
  • Advantage Plus Image Checking
  • Certificate of Deposit (CD) - Various Terms Available

Yield Plus High Rate Checking

  • High Yield Interest with monthly direct deposit or Columbia Bank Online Bill Payment
  • 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
  • Refund of non-Columbia Bank ATM surcharges nationwide
Apply Online

Advantage Totally Free Checking

  • No minimum balance requirement
  • No monthly service charges
Apply Online

Advantage Plus Image Checking

  • $1,000 daily minimum balance required to avoid a monthly service charge
  • FREE ATM transactions at any PLUS®, Accel®, or VISA® ATM terminals2
  • Bonus rates on featured "AP" CDs
  • Rate discount on certain loans3
  • $50 discount on Residential Mortgage applications
  • Free Cashiers Checks, Money Orders, and Travelers' Cheques
  • Discounted AMEX® Gift Cheques and VISA® Gift Cards
  • Free Wealth Management and Financial Consultation, provided by Columbia Financial Services
  • Free checks for LIFE!1
Apply Online

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
Apply Online

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 1-800-522-4167. 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 branches. 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 Columbia Bank Pricing Committee 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 to 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 $ 0.01. 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.


Yield Plus Checking

 Apply Tier Amount  APY 
APPLY Tier 1 $.01 - $999.99 .10% APY
APPLY Tier 2 $1,000 - $9,999.99 .25% APY
APPLY Tier 3 $10,000 - 249,999.99 1.00% APY 
APPLY Tier 4  $250,000 - unlimited  .10% APY 

APY (Annual Percentage Yield) may change after account is opened. This account is a variable rate account and subject to change at anytime. To obtain the APYs quoted above we require a qualifying direct deposit or an online bill payment transaction to post to your account each statement cycle. Cycles where these requirements are not met, the lowest balance tier will apply, currently this APY is .10%. For the portion of over $249,999.99 to $1,000,000.00 the APY will range from 0.90% to .30%. Fees may reduce earning. No Columbia ATM fees when you use nationwide ATMs. Refund of nationwide 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. This offer applies to new consumer accounts only. $50 will be deposited into your account within 60 days after you conducted your first qualifying direct deposit transaction. $50 will be deposited within 60 days after your first online banking bill payment transaction. Free gift available while supply lasts.

Yield Plus Checking Disclosure
Campus Checking Disclosure


Variable Rate Interest Bearing Accounts

  Interest Rate  APY  Daily Minimum Balance to Obtain APY  Compound  *Interest Credited  **Daily Minimum Balance to Avoid Monthly Service Charge  Monthly Service Charge 
NOW Return Style 0.10% 0.10% $1,000.00 Monthly Monthly $1,000 $10.00
NOW Safeguard 0.10% 0.10% $500.00 Monthly Monthly $1,000 $8.00
Health Savings Account 0.15% 0.15% $100 Monthly Monthly N/A N/A 

Variable Rate Interest Bearing Accounts

  Interest Rate  APY  Daily Minimum Balance to Obtain APY  Compounding  *Interest Credited  **Daily Minimum Balance to Avoid Monthly Service Charge  Monthly Service Charge 
Holiday Club 0.15% 0.15% $50.00 Quarterly Quarterly N/A N/A
Passbook 0.15% 0.15% $100.00 Quarterly Quarterly $100.00 $2.00
Statement Savings 0.15% 0.15% $10.00 Monthly Monthly $50.00 $4.00
Kids Count Passbook 0.30% 0.30% $1.00 Quarterly Quarterly N/A N/A
Kids Count Statement 0.30% 0.30% $1.00 Monthly Monthly N/A N/A

Non-Interest Bearing Accounts

  **Daily Minimum Balance to Avoid Monthly Service Charge  Monthly Service Charge 
Checking Plus Safeguard N/A $6.00
Checking Plus Return Style N/A $8.00
Safeguard Style Checking $500 $4.00
Return Style Checking $700 $7.00
Advantage Totally Free Checking $0 $0.00
Advantage PLUS Safeguard $1,000 $9.00
Advantage PLUS Return Style $1,000 $12.00
Senior Citizen Safeguard $0 $0.00
NJ Consumer Checking - First 8 checks per monthly cycle no charge, $.50 per check thereafter N/A $3.00

Fixed Rate Advantage Plus Certificate(s)

 Term Interest Rate APY  Minimum Balance to Obtain APY  Compounding  *Interest Crediting  ***Premature Withdrawal Penalty Loss of  ****Automatic Renewal/Grace Period 
36 month AP 1.59% 1.60% $500.00 Daily Quarterly and at Maturity 365 Days Yes/7 days

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.


Fixed Rate Savings Certificates

Term  Interest Rate  APY  Minimum Balance to Obtain APY  Compounding  *Interest Crediting  ***Premature Withdrawal Penalty Loss of  ****Automatic Renewal/Grace Period 
7 days 0.10% 0.10% $2,500 None At Maturity All Interest Yes/None
28 days 0.10% 0.10% $2,500 None At Maturity All Interest Yes/None
91 days 0.10% 0.10% $500 None Quarterly & at Maturity 30 days Yes/7 days
182 days 0.20% 0.20% $500 None Quarterly & at Maturity 90 days Yes/7 days
9 months 0.60% 0.60% $500 Quarterly Quarterly & at Maturity 90 days Yes/7 days
12 months 1.00% 1.00% $500 Quarterly Quarterly & at Maturity 180 days Yes/7 days
12 months AP 1.24% 1.25% $500 Quarterly Quarterly & at Maturity 180 days Yes/7 days
18 months 0.55% 0.55% $500 Daily Quarterly & at Maturity 180 days Yes/7 days
20 months 0.45% 0.45% $500 Daily Quarterly & at Maturity 180 days Yes/7 days
20 months - Bump Up  0.99% 1.00%  $500 Daily Quarterly & at Maturity 180 days  Yes/7 days
24 months  1.24% 1.25%  $500 Daily Quarterly & at Maturity  270 days Yes/7 days
30 months  1.39% 1.40%  $500 Daily Quarterly & at Maturity 365 days Yes/7 days
36 months  1.34% 1.35%  $500 Daily Quarterly & at Maturity 365 days Yes/7 days
36 months - Home Saver  1.59% 1.60%  $500 Daily Quarterly & at Maturity 365 days Yes/7 days
48 months  1.39% 1.40%  $500 Daily Quarterly & at Maturity 365 days Yes/7 days
60 months  1.69% 1.70%  $500 Daily Quarterly & at Maturity 365 days Yes/7 days
60 months AP  1.94% 1.95%  $500 Daily Quarterly & at Maturity 365 days Yes/7 days
72 months  1.69% 1.70%  $500 Daily Quarterly & at Maturity 365 days Yes/7 days
84 months  1.69% 1.70%  $500 Daily Quarterly & at Maturity 365 days Yes/7 days

*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 you close your variable rate interest bearing account before interest is collected, you will not receive the accrued interest.

**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 7-28 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 7-28 day certificate has 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 Bank is offering on the maturity date on certificate accounts for that term.  

Bump Up Disclosure


General Schedule of Fees

 Item Amount 
Account Link Transfer $10.00/per transfer ($20.00 maximum per day)
Account reconciliation $25.00/hour
Account research $25.00/hour
Bank Check $6.00
Bond Coupon Redeemed $5.00
Bond Coupon Returned $10.00
Check printing charges Prices Vary
Collection items - Domestic $25.00 + Correspondent bank fees
Collection items - International $50.00 + Correspondent bank fees
Consulate Letter $25.00
Counter Checks (per check) $1.00
Duplicate copies of canceled checks $5.00
Duplicate copies of deposit tickets $5.00
Fax (per page) $1.00
Excess Transaction Fee $15.00
Foreign Checks Purchased 1% U.S. Dollars ($15.00 minimum)
Legal Processing (Levies, Restraining Orders, etc.) $100.00
Lost Passbook Replacement $5.00
Medallion Signature Guarantee $10.00
Money Order $4.00
NSF (non-sufficient funds) Paid Item* $34.00
NSF (non-sufficient funds) Returned Item* $34.00
Photocopy (per page) $1.50
Re-issuance of Money Order, Bank Check $10.00
Returned Deposited Item $15.00
Safe Deposit Box - Box Drilling (2 keys lost) $150.00
Safe Deposit Box - Replacement Key (1 key lost) $25.00
Special Statement Requests $5.00
Stop Payment Order $25.00
Special Document Processing $25.00/hour
Wire Transfer Outgoing (Domestic) $25.00
Wire Transfer Incoming $15.00
Wire Transfer Outgoing (International) $40.00
UCF (uncollected funds) Paid Item* $25.00
UCF (uncollected funds) Returned Item* $25.00

*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. 


Consumer Online Banking Services

 Item Cost 
Compact Disc (CD) of Prior Year Bill Pay History $25.00
Access to Online Banking Services (Inquiries/Transfers) N/C
Personal Computer (PC) Bank Bill Pay Monthly Fee
N/C
Expedited Online Bill Payment - FedEx Overnight $25.00
Expedited Online Bill Payment - ACH $5.00
Bill Pay Stop Payment $25.00
Bill Pay Check Copy $10.00

Business Checking

Cost  Per 
$0.15 Per check paid/ACH debit
$0.15 Per item deposited
$0.15 Per deposit ticket/ACH credit presented
$8.00 Monthly account maintenance

Debit Card Fees

  ACCEL VISA, PLUS Domestic PLUS INT'L 
Cash Withdrawal $1.00 $1.00 $1.50
Balance Inquiry $0.50 $1.00 $1.00
Transfers between Columbia Bank Accounts $0.50 $1.00 $1.00
Purchase Transactions (POS using a PIN) $0.20 $0.20 $0.20
International Service Assessment (ISA) fee 1% of the transaction amount 1.00% 1.00% 1.00%

These changes will be debited from the account(s) affected and will be reflected on the periodic statement. If your Debit Card is lost, stolen, or damaged, the charge to re-issue you another card is $5.00.