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 1.01% APY* $25,001 and above earns 0.25%APY* If no qualifications are met 0.05% 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 | yes |
| 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 and receive E-statements
|
no |
| Learn More | Learn More | Learn More | Learn More |
*APY = Annual Percentage Yield. Annual Percentage Yield accurate as of January 18, 2012. Minimum to open account is $100. Rate tiers are as follows: 1.01%APY applies to balances of $.01 - $25,000 and 0.25%APY paid on balances over $25,000 as long as qualifications are met each statement cycle. 0.05% APY will be earned on all balances if qualifications are not met. Qualifications: at least 10 debit card point of sale transactions post and clear per "qualification cycle" (excludes ATM transactions, at least one Direct Deposit or one Automatic Payment (auto debit) post and clear 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 first day of the current statement cycle through one business day prior to the close of the current statement cycle. Limit 1 Rewards Account 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. MEMBER FDIC.
