Consumer Banking Deposits
CHECKING
BASIC CHECKING
Do you need a simple and efficient account that allows you easy 24-hour access, check writing, and security? This basic account offers free E-Banking, 24-hour telephone banking, ATM access and no monthly fee if you maintain the minimum monthly balance. Have your paycheck deposited directly and access your money instantly!
| Minimum Opening Balance | $500 |
| Minimum Balance Required | $500 |
| Monthly Maintenance Fee | $5 (if balance falls below minimum) |
| Transaction Fee | None |
INTEREST CHECKING
Do you typically have a fluctuating balance that you would like to take advantage of? This account offers a higher rate of interest, ATM access, free E-Banking, 24-hour telephone banking and your first order of checks is on us! Maintain the minimum monthly balance and your account is completely free.
| Minimum Opening Balance | $1,000 |
| Minimum Balance Required | $1000 (daily) |
| Monthly Maintenance Fee | $10 (if balance falls below minimum) |
| Checks ( withdrawals) | Unlimited (free first book of checks) |
| ATM Card | Free |
| ATM Transactions | Free (at selected cash machines) |
| Interest | Paid Monthly |
BRIDGEWATER INVESTOR CHECKING
For those of you who maintain a large balance in your Bridgewater accounts, we offer you an account that you will appreciate! This account pays higher interest rates, offers free Bridgewater checks, E-Banking, 24-hour account access via phone or your computer, free ATM access.
| Minimum Opening Balance | $10,000 |
| Minimum Balance Required | $10,000 (in any Bridgewater account) |
| Monthly Maintenance Fee | $15 (if balance falls below minimum) |
| Checks Paid (withdrawals) | Unlimited check writing |
| ATM Card | Free |
| ATM Transactions | Free (at selected cash machines) |
| Interest | Paid Monthly |
SAVINGS
BASIC SAVINGS
Do you have a little extra cash that you want working for you? This account will pay you interest and allow you the flexibility to make a few withdrawals a month. As long as you maintain a monthly balance your account is free. A perfect account for children, or for saving for that special event.
| Minimum Opening Balance | $50 |
| Minimum Balance Required | $50 (average monthly) |
| Monthly Maintenance Fee | $3 (if balance falls below minimum) |
| Transaction Fee | 6 free withdrawals per month ($1 per withdrawal after six) |
| Interest | Paid Quarterly |
MONEY MARKET SAVINGS
Are you looking for a safe place to watch your money grow? This account will pay you a competitive rate, while offering easy access, check writing, and no monthly fee if you maintain the minimum monthly balance! If you enjoy the security of maintaining a larger balance, this account was developed for you.
| Minimum Opening Balance | $1000 |
| Minimum Balance Required | $1000 (daily) |
| Monthly Maintenance Fee | $10 (if balance falls below minimum) |
| Transaction Fee | 6 free withdrawals per month ($1 per withdrawal after six) |
| Interest (Based on Tiered Rate) | Paid monthly |
| Tiers 0 to 10,000 | |
| 10,001 to 25,000 | |
| 25,001 + |
CERTIFICATE OF DEPOSIT
Do you have a large sum of money that you don’t need to access immediately? You may want to consider investing in a Certificate of Deposit. We offer terms ranging from three months to five years with competitive interest rates that will maximize your return over the life of the certificate. These attractive savings products are FDIC insured and require a minimum balance of $10,000.
