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Columbia Bank

Personal Checking and Savings

EFFECTIVE AS OF 01/19/2023 

Yield Plus Checking

Minimum Balance To Obtain APYInterest RateAPY ##1 
$.01 - $999.990.05%0.05%Open An Account
$1,000 - $9,999.990.10%0.10%Open An Account
$10,000 - $249,999.990.75%0.75%Open An Account
$250,000 - $499,999.991.19%1.20%Open An Account
$500,000+ ##20.10%1.20%-0.65%Open An Account

[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 .05%. The 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. A daily minimum balance of $1,000.00 must be maintained each day of the statement cycle to avoid a monthly Maintenance Service Charge of $20.00. For additional terms, fees and conditions please refer to our account disclosures. Fees may reduce earnings.

[2] When the requirements are met, for the portion of balance over $499,999.99, the interest rate is .10% and the APY would range from 1.20% to 0.65% with an assumed total balance of $1 million. 

Statement Savings¹

Minimum Balance To Obtain APYInterest RateAPY ##2 
$10.000.10%0.10%Open an Account

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

[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.

Yield Money Market Account¹

Minimum Balance To Obtain APYInterest RateAPY ##1
$0.01 - $24,999.990.05%0.05%
$25,000.00 - $49,999.990.05%0.05%
$50,000.00 - $249,999.990.75%0.75%
$250,000.00 - $499,999.991.98%2.00%
$500,000.00 - $999,999.992.47%2.50%
$1,000,000.00+2.72%2.75%

[1] APY (Annual Percentage Yield). The APY may change after account opening at any time. Yield Money Market is a variable tiered rate consumer product and is subject to change after account is opened and at any time. The minimum balance to open this account is $1,500.00. If your daily balance is less than .01, no interest will be paid for that day. A minimum daily balance of $1,500.00 must be maintained each day of the statement cycle to avoid a monthly Maintenance Service Charge of $10.00. Interest is credited monthly and compounded monthly. Fees may reduce earnings.

Personal Money Market¹

Minimum Balance To Obtain APYInterest RateAPY ##1
$0.01 - $99.990.00%0.00%
$100.00 - $2,499.990.10%0.10%
$2,500+1.00%1.00%

[1] APY (Annual Percentage Yield). The APY may change after account opening at any time. Personal 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 $100.00. The minimum to earn interest is $100.00. There is no daily minimum balance requirement or monthly maintenance service charge. 

Kids Count Statement and Passbook Savings

Minimum Balance To Obtain APYInterest RateAPY ##1
$1.000.15%0.15%

[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 maintenance service charge 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.

Health Savings

Minimum Balance To Obtain APYInterest RateAPY ##1
$100.000.05%0.05%

[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 maintenance service charge for this account.  Fees may reduce earnings. Consult your tax advisor.

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