[1] Advantage Plus checking account is non-interest bearing. The minimum to open the account is $0.01. There is a monthly Maintenance Service Charge of $10.00. The $10.00 monthly Maintenance Service Charge will be waived if you have direct deposits (ACH credits) of at least $1,000 or three online bill payments / external ACH debits (payable to a third-party) post to your account per statement cycle. Internal transfers are not considered an ACH transaction. Primary account owners 22 years of age or under are not subject to the monthly Maintenance Service Charge or the associated waiver activity. Commencing with the month the primary account owner turns 23 years of age and thereafter the monthly Maintenance Service Charge is $10.00 unless the waiver activity is met. Advantage Plus checking is subject to a $5.00 per month Statement Print Service Charge fee if the account holder chooses to receive the monthly statement in print format rather than consenting to access it electronically. To avoid the Statement Print Service Charge, Advantage Plus account holders must sign up for Online Banking and consent online to receive the statement in electronic format.
[2] $300 New Account Cash Bonus. In order to be eligible to obtain the cash bonus, you must open a new Advantage Plus Checking account on or after 3/27/26. You will receive a one-time new account $300 cash credit to your Checking Account after we have verified ACH credits totaling at least $2,000 posted to your Checking Account within 60 days after the date you opened the new account. Internal transfers are not considered an ACH transaction. The $300 will be credited to your account within 60 days after we have determined that you satisfied this requirement. Only one new account $300 credit will be made in total for ACH credit activity to this account. Total $300 per person: If you have ever received a new account opening bonus of any type in connection with opening a checking or savings account, you are not eligible for the cash bonus even if you open a new Checking Account. You are permitted to receive only one of these new account bonuses irrespective of the number or type of checking accounts you open. To receive any of the aforementioned new account bonus, the account must still be open at the time we are ready to credit the funds. The new account cash bonus will be reported as interest to the IRS on form 1099-INT. This is a limited-time offer and may be discontinued at any time without prior notice.
[3] Balance Build Offer: In order to qualify for a one-time Balance Build Offer cash credit, you must deposit a minimum total deposit of $5,000 of “new money” into a new Advantage Plus Checking account opened on or after 3/27/26. (“New money” is defined as deposits not previously held by Columbia Bank.) We will allow fifteen (15) calendar days to complete the “new money” deposit funding process. After the deposit funding process period expires, the deposit(s) must be maintained in your Checking account for an additional one hundred and twenty day (120) period. This is referred to as the balance seasoning period. Once the one-hundred-and twenty-day (120) balance seasoning period expires, Columbia Bank will verify that the qualifications of the Balance Build Offer were met and deposit the applicable cash credit into your Checking account within thirty (30) calendar days. Qualifying accounts will receive a cash credit of $150. For “new money deposits” totaling $25,000 and above, Qualifying accounts will receive a cash credit of $400. The promotional bonus is limited to one (1) per account and one (1) per customer. Joint accounts will receive a single bonus only, and all owners must meet the new-to-bank eligibility requirements. Accounts held in trust or accounts with multiple owners (including trustees and beneficiaries) are eligible for only one (1) bonus, regardless of the number of individuals associated with the account or their ownership roles. The maximum Balance Build Offer cash credit is $400. You are not eligible for additional Balance Build Offers even if you open additional accounts and/or make additional “new money” deposits. This is a limited time offer and may be discontinued at any time without prior notice. To receive the aforementioned Balance Build Offer, the Checking account must still be open at the time we are ready to credit the funds. The Balance Build Offer cash credit will be reported as interest to the IRS on form 1099-INT.
[4] This account is for deposits only and for account holders that have an open Advantage Plus Checking Account. This account is only available to open at our Bernardsville, Camden, Clifton, Rutherford and Paterson locations. This is a limited time offer and may be discontinued without prior notice.
[5] The Annual Percentage Yield (APY) shown is accurate as of 4/16/25 and is subject to change at any time. The minimum balance to open this CD is $500 and the minimum to earn the “APY” is $0.01. A penalty may be imposed for early withdrawal. Additional CD terms are available. Fees may reduce earnings.
