Personal Checking Account Comparisons

Crescent Freedom Crescent Gold Rewards Checking Crescent Platinum
 

 

 

 

 
Minimum Deposit to Open the Account $100 $100 $100 $200
Minimum Balance to Avoid Monthly Service Charge N/A N/A N/A $7,500 in combination with savings, CDs or money market accounts or $15,000 in outstanding consumer loans.
Monthly Service Charge N/A N/A N/A $20
Rate Tiers N/A N/A

If qualifications are met:

$0 to $25,000 earns 4.51% APY*

$25,001 and above earns 1.01%APY*

If no qualifications are met 0.10% APY* is paid on all funds.

$0 to $9,999.99 $10,000 and above
Interest Bearing? no yes yes yes
Unlimited Check Writing? yes yes yes yes
Unlimited Withdrawals? yes yes yes yes
Unlimited Debit Card Transactions? yes yes yes yes
Free ATM Use? yes yes yes yes
Foreign ATM Withdrawals refunded? no no yes nationwide, if qualifications are met** no
Overdraft Protection? yes yes yes yes
Small Safe Deposit Box Discount? no $15 credit toward larger box no no
Free Cashiers Checks? no no no 5 free
Free Wallet/Duplicate Checks? no yes no yes
Free Online Banking? yes yes yes yes
Free Online BillPay? yes yes yes yes
Discounted Loan Rates?** no no no yes
Free Traveler's Checks? no no no yes
Unlimited Transactions? yes yes yes yes
What Other Benefits Do I Receive? 24 hour telephone banking 24 hour telephone banking 24 hour telephone banking 24 hour telephone banking
Qualifications? no Age 50 & over free

3 easy steps:

1) Post at least 10 debit purchases per statement cycle

2) 1 direct deposit or one automatic debit per statement cycle

3) Sign up for E-statements

 

 no
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*APY = Annual Percentage Yield. Annual Percentage Yield accurate as of June 16, 2010. Minimum to open account is $100. Rate tiers are as follows: 4.51%APY applies to balances of $.01 - $25,000 and 1.01%APY paid on balances over $25,000 as long as qualifications are met each statement cycle. 0.10% APY will be earned on all balances if qualifications are not met. Qualifications: post 10 debit card point of sale transactions per “qualification cycle” (excluding ATM transactions), 1 direct deposit or automatic debit per “qualification cycle”, and sign up for e-statements via the CSB Online Banking product.  “Qualification cycle” means a period beginning one business day prior to the close of the current statement cycle.  Limit 2 Rewards Accounts per customer. Rates may change after the account is opened. Fees may reduce earnings. **ATM refunds up to $25 are conditional to requirements being met.  ***Subject to credit approval