Personal Checking and Savings

[1] Annual Percentage Yield (APY). Yield Plus is a variable tiered rate consumer checking product and is subject to change after account is opened and at any time. 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 balance over $499,999.99, APY is .10% and the APY will range would range from 0.50% to 0.30%. Minimum balance to open this account is $0.01. If your daily balance is less than .01, no interest will be paid for that day. For additional terms, fees and conditions please refer to our account disclosures. Fees may reduce earnings.

[1] The minimum to open a Statement Savings is $10, but a minimum daily balance of $50 is required to avoid a $4 monthly service fee.

[2] Annual Percentage Yield (APY). Statement Savings is a variable rate consumer savings product that is subject to change after account is opened and at any time. Fees may reduce earnings.

[1] Advantage Plus Money Market Account is a variable, tiered rate consumer savings product and is subject to change after the account is opened and at any time. The minimum to open this account is $1,000. The minimum to earn interest is $0.01. There is no minimum balance requirement or monthly service fee. 

[2] APY (Annual Percentage Yield) the APY may change after account opening at any time. If your daily balance is $500,000.00 or more, the interest rate paid on the portion of your balance that equals or exceeds $500,000.00 is currently .10%. The annual percentage yield would range from .45% to 0.28%. To obtain the APYs quoted above, we require an active Advantage Plus Checking Account [See footnote 3] be open and maintained. The account owner must each statement cycle; transact 10 verified monthly POS debit card transactions, not including ATM withdrawals, and those transactions must post and settle to your Advantage Plus Checking Account during the month (i.e. statement cycle) OR transact at least one qualifying direct deposit transaction of at least $500, which must be initiated as an ACH (automated clearinghouse) credit transaction and must post to your Advantage Plus Checking Account during that month (i.e. statement cycle). Transfers you authorize us to make electronically between your Columbia accounts or transfers from your account with another bank that you ask us to initiate on your behalf using our Totalmatic transfer system are not qualifying direct deposits. Cycles where these requirements are not met, the lowest balance tier will apply, currently this APY is .10%. Fees may reduce earnings.

[3] Advantage Plus Checking Account is non-interest bearing. The minimum to open the account is $0.01. This account is only available to consumers (natural persons) for personal, family, or household purposes. It is not available for business purposes or to entities such as trusts, partnerships, LLCs, corporations, non- profits, etc. A daily minimum balance of $500.00 must be maintained in the account to avoid a monthly service charge of $9.00. If you transact 10 POS debit card transactions not including ATM withdrawals and those transactions post and settle to your Advantage Plus Checking Account during the month (i.e. statement cycle), the daily minimum balance of $500.00 is not required and your account will not be assessed the monthly service charge of $9.00. Consumers 22 years of age and under are not subject to the daily minimum balance requirement. Commencing with the month you turn 23 years of age and thereafter the daily balance must be $500.00 or greater for the entire month, otherwise your account will be charged the monthly service fee.

[1] Annual Percentage Yield (APY). Kids Count Savings account is a variable rate consumer savings product that is subject to change after account is opened and at any time. The minimum to open a Kids Count Savings account and to obtain the quoted APY is $1.00. There is no monthly service fee for this account. When a new Kids Count Account (passbook or statement savings) is opened, we will match the initial deposit up to $15. The matching bonus will be credited to the new account at account opening. There is no time requirement for the initial deposit to remain in the account in order to receive this bonus. The amount of the bonus will be added to any interest that is earned on the account. If the amount of the bonus plus interest is $10 or more in a calendar year, then the amount will be reported on IRS Form 1099-INT. This bonus offer may be discontinued without prior notice. There is a limit of one bonus per child. Fees may reduce earnings.

[1] Annual Percentage Yield (APY). Health Savings account is a variable rate consumer savings product that is subject to change after account is opened and at any time. The minimum to open a Health Savings account is $1.00. The daily minimum balance to obtain the quoted APY is $100.00. There is no monthly service fee for this account.  Fees may reduce earnings. Consult your tax advisor.