Private Banking

Crown Bank offers a variety of private checking and savings account options designed to meet your banking needs.

CROWN CHECKING
This is our premier checking account. You'll earn higher rates on collected balances over $25,000. There is no monthly service charge when you maintain a $25,000 average balance. Accounts not meeting the average balance requirement are subject to a $20 monthly service charge. This account also features free checks: choose from a variety of check styles. We reserve the right to limit quantities.

REGULAR CHECKING
This account is our economy checking account for those customers that maintain lower balances. Keep a $300 minimum balance in your account and there is no monthly service charge. Accounts that do not meet this minimum balance are assessed a $7 monthly service charge.

INTEREST CHECKING
This is our low minimum balance account for those customers who want to earn interest on their checking account balances. Interest is earned daily and compounded monthly. There is no monthly service charge when you maintain a $500 minimum balance in your account. Accounts that do not meet this minimum balance are assessed an $8 monthly service charge.

REGULAR SAVINGS
This is our basic savings account for customers that want an easily accessible and secure cash reserve. The account requires a $50 minimum deposit to open. A $3 monthly service charge is assessed when the average monthly balance is less than $50. Interest is earned daily and paid quarterly.

HEALTH SAVINGS ACCOUNT
Our tax-exempt account established for the purpose of paying or reimbursing qualified medical expenses for you, your spouse, and your dependents. The account requires $100 to open and a $2 service charge will be imposed every month regardless of the minimum balance maintained in the account. Interest is earned daily and paid monthly.

MONEY MARKET ACCOUNT
This is the savings account for customers that want ready account access and who wish to earn higher interest rates on their funds. The account has a $1,000 minimum opening requirement. Interest is earned daily and paid monthly. Current interest tiers are: $0 to $24,999; $25,000 to $99,999; $100,000 to $249,999; and $250,000 and over. This account has a $5 monthly service charge if the balance falls below $1,000.

TIME DEPOSIT ACCOUNT
Our time deposit accounts are designed for customers with funds to invest for longer terms. The account is offered with maturities up to 48 months. A minimum deposit of $1,000 is required to open an account. Interest is earned daily and is paid annually or at maturity. A substantial penalty may be charged for withdrawals prior to the account maturity date. Time deposit accounts are available for customers with retirement funds-both Traditional and Roth IRA products are available.



ACCOUNT FEATURES AND OPTIONS

Statement Delivery
Checking and savings account statements are delivered electronically each month. A mailed statement is available upon request.

ATM Cash Card & Check/Debit Card
This enhanced card is accepted at ATM terminals and thousands of locations wherever the VISA® debit card is welcome. It's the convenient way to get cash and make purchases without using checks. ATM fees may apply. Purchases will be deducted at the time of purchase and the transaction will be detailed on your monthly account statement. A separate card application is required.

Internet Banking and Bill Pay
Complete your banking with our Internet Banking and Bill Pay Service. It's convenient and secure. You can review balances and transaction activity, make transfers between accounts, access your monthly statements, and pay bills. A separate application is required.

Crown Credit
Crown Credit is our check reserve credit line that attaches to your checking account. It provides you with automatic overdraft protection as well as a convenient source of extra funds. Credit lines are available in increments of $500. Funds are advanced in $100 increments when your checking account balance drops below zero. Monthly payments are automatically deducted from your checking account. A separate application is required for Crown Credit.

Telebank Access Line
Telebank Access Line is a free service that lets you access your account information 24 hours a day, 7 days a week, using the telephone. You can inquire on balances and recent transactions, and transfer funds between your accounts.

Direct Deposit and Bank By Mail
Save yourself a trip to the bank by taking advantage of the safety and convenience of Direct Deposit or Bank By Mail. Upon request, Bank By Mail customers can receive a return envelope with a receipt for their transaction.

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