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Checking Accounts

 

 

  • Overdraft protection available
  • Descriptive monthly statements
  • Internet Banking
  • Dial-A-Bank transfers available
  • Direct Deposit available
  • Permits a variety of deposits at any time, including Bank by Mail, STAR card, STAR/VISA check card, Direct Deposit and Night Deposit 
  • Automatic transfers available between Savings, Checking, Loan Christmas and Vacation club
  • FDIC insured  

Hometown Checking

This account is designed for our customers who prefer the benefits of regular checking while earning a competitive interest rate.  The account may be accessed by check, STAR card or STAR/VISA check card.

Features      

  • Unlimited check writing – no per check or per deposit fees
  • Interest is compounded daily and paid monthly at the end of each statement cycle  
  • Bonus rates paid for specific additional products and services    

Terms  

  • Minimum deposit of $50.00 required to open this account
  • If daily balance falls below $750.00 the interest will be forfeited for the statement cycle 

Free Checking 

This is a Personal Checking account with no minimum balance requirements.  This account may be accessed by check, STAR card or STAR/VISA check card. 

 

FEATURES  

  • No minimum balance is required
  • No monthly service charge
  • Unlimited free check writing
  • No per check or per deposit fee   

TERMS

  • Requires direct deposit of payroll or retirement benefits  

NOW Checking

This account is designed for our customers who prefer the benefits of regular checking while earning a competitive interest rate.  The account may be accessed by check, STAR card or STAR/VISA check card.

FEATURES

  • Unlimited check writing  - no per check or per deposit fees 
  • Interest is compounded daily and paid monthly at the end of each statement cycle

 

TERMS

  • A $500.00 minimum deposit is required to open this account  
  • $500 average monthly balance to avoid a service fee
  • No interest will be paid on average daily balances below $500.00   


SUPER NOW Checking

This account is designed for our customers who prefer the benefits of regular checking and earning a competitive interest rate.  The account may be accessed by check, STAR card or STAR/VISA check card.

FEATURES 

  • Unlimited check writing - no per check or per deposit fees 
  • Interest is compounded daily and paid monthly at the end of each statement cycle

TERMS

  • A $2,500.00 minimum deposit is required to open this account  
  • No interest will be paid and a $7.00 per statement cycle service charge on average daily balances below $2,500.00   


**Federal regulations prohibit the payment of interest on checking accounts to certain business types.


Savings Accounts 
 

All Halifax National Bank Savings accounts have the following benefits:

  • Internet Banking
  • Dial-A-Bank
  • FDIC Insured

Money Market

This is an interest bearing account.  This account is designed for our customers who prefer the benefits of a savings account.  This account may be accessed by check, STAR card or STAR/VISA check card.  

FEATURES 

  • Interest earned at competitive rates

Interest compounded daily and paid monthly at the end of each statement cycle    

  • Unlimited transactions over-the-counter
  • Descriptive monthly statements with Images of your checks
  • Overdraft protection for your checking account is available      

TERMS 

  • $2,500.00 minimum deposit is required to open this account
  • Tiered Interest Rate
    • $        0.01 - $  2,499.99 no interest earned
    • $ 2,500.00 -  $10,000.00
    • $10,000.01 - $30,000.00  
    • $30,000.01 and up
  • A $2,500.00 average monthly balance is required to earn interest and avoid a $10.00 per statement cycle service charge   
  • Government regulations state transactions are limited to a total of six (6) debits per statement cycle

     

     

Statement Savings    

 

This is an interest bearing account.  This account is designed for our customers who prefer the benefits of a savings account without a passbook.  The account may be accessed by STAR card or STAR/VISA check card.

FEATURES

  • Interest earned at competitive rates
  • Interest compounded daily and paid monthly at the end of each statement cycle  
  • Unlimited over-the-counter transactions  
  • Descriptive monthly statements  
  • Overdraft protection for your checking account is available 
  • Automatic transfers available between Savings, Checking, Loans, Christmas and Vacation clubs   

 

TERMS   

  • $25.00 minimum deposit is required to open this account
  • $25.00 average balance to avoid service charge
  • $2.00 per statement cycle service charge if minimum balance is not maintained   

Passbook Savings


This is an interest bearing account.  This account is designed for our customers who prefer the benefits of a savings account with a passbook.  This account may be accessed by stopping into any of our Offices. 


FEATURES

  • Interest earned at competitive rate  
  • Interest compounded daily and paid quarterly    

Terms

  • $10.00 minimum deposit required to open
  • $10.00 minimum balance is required  
  • If the balance falls below $10.00, the account must be closed
  • You must have the Passbook with you for all transactions
  • Direct Deposits are not allowed to this account   

Christmas Club 

This is an interest bearing account.  This account is designed for our customers who prefer a structured savings approach that assures money is available for the holidays.     

FEATURES

  • Interest compounded daily and paid on the maturity date by check (October)
  • Automatic transfers may be arranged for payments from your First National Bank of Marysville checking or savings account   

TERMS

  • $5.00 minimum deposit is required to open this account      

Vacation Club

This is an interest bearing account.  The account is designed for our customers who prefer a structured savings approach that assures money is available for vacation or other personal goals.

FEATURES

  • Interest is compounded daily and credited to your account yearly on June 30th and at closing
  • Automatic transfers may be arranged for payments from your First National Bank of Marysville checking or savings account     

TERMS

  • $5.00 minimum deposit is required to open this account  
  • No checks mailed, you must come into any of our Offices to close 

Certificates Of Deposit (CD’s)

This is an interest bearing account.  This account is designed for our customers who prefer the benefits of earning a higher rate of interest on their investments.  Various terms are available. 

All Halifax National Bank Certificates of Deposit have the following benefits:

  • Internet Banking
  • Dial-A-Bank
  • FDIC Insured 

FEATURES

  • Rates vary according to maturity 
  • Rate is fixed for term of deposit 
  • Interest is compounded daily
  • Interest may be paid monthly, quarterly, semi-annually or annually based on certificate amount  
  • Interest may be reinvested into the Certificate of Deposit or may be paid by check or deposited into a First National Bank of Marysville checking or savings account      

TERMS

  • Minimum deposits are required to open these accounts  
  • Subject to substantial penalty for early withdrawal   

Individual Retirement Accounts (IRA’s)

  • Descriptive quarterly statements
  • Internet Banking
  • Dial-A-Bank
  • FDIC Insured

Traditional IRA

This is an interest bearing account.  The Traditional IRA is an account which allows you to defer taxes on your earnings until they are withdrawn with certain contributions being tax deductible in the tax year for which the contributions were made.  All earnings on deductible and/or non-deductible contributions remain tax deferred until you make withdrawals from the account.  You must qualify in order to deduct your annual IRA contribution from your taxable income.   (Consult your Tax Advisor for further information.)

FEATURES

  • Interest is earned at competitive rates
  • Interest is compounded daily and paid quarterly   
  • IRA is established in one name only 
  • Contributions for a previous tax year may be made to a new or existing plan up to April 15 
  • Provides additional savings for retirement
  • Potential for income tax savings

TERMS

  • $100.00 minimum deposit is required to open this account
  • Individual must have earned income
  • Maximum annual contribution limits apply
  • Must be 18 years of age   
  • Distribution begins at 70 ½ years of age
  • "Catch Up" contributions apply for IRA owners age 50 or older
  • Subject to substantial penalty for early withdrawal

Stop by your local Halifax National Bank Office for complete IRA detail

Roth IRA 

This is an interest bearing account. This Roth IRA is a non-deductible account that features tax-free income from the federal income tax when withdrawn for certain distribution reasons after a five (5) year holding period.  The Roth IRA contributions are not tax deductible but the earnings accumulate tax-free offering a different type of tax advantage.  People who expect to be in a higher tax bracket when they retire may benefit more from these accounts than from a Traditional IRA.  (Consult your tax advisor for further information) 

FEATURES

  •  Interest is earned at competitive rates
  • Interest is compounded daily and paid quarterly  
  • IRA's are established in one name only 
  • Contributions for a previous tax year may be made to a new or existing plan up to April 15
  • Provides additional savings for retirement
  • Potential for income tax savings     

TERMS

  • $100.00 minimum deposit is required to open this account
  • Individual must have earned income
  • Maximum annual contribution limits apply
  • Must be 18 years of age
  • "Catch Up" contributions apply for IRA owner age 50 or older
  • Subject to substantial penalty for early withdrawal  

Stop by your local Halifax National Bank Office for complete IRA details

 

Educational IRA (Coverdell Education Savings Accounts – CESA)

 

 

 

  • Interest is earned at competitive rates
  • Interest is compounded daily and paid quarterly
  • The funds contributed are considered a gift to a designated beneficiary under the age of 18
  • There is no requirement that the contributor have earned income
  • If a child decides not to pursue his/her education, the account may be transferred to a new designated beneficiary who is a member of the same family
  • Contributions do not exclude a qualified individual from contributing to a separate IRA for retirement savings

Terms

  • $100.00 minimum deposit is required to open this account
  • Contributions may be made on behalf of a child until the day before their 18th birthday
  • Maximum amount of contributions for the year are $2,000
  • Subject to substantial penalty for early withdrawal 

Stop by your local Halifax National Bank Office for complete IRA details

Please be aware current federal tax laws governing the IRA accounts may change.  This is not intended to be your sole source of information on IRA's nor is it intended to provide professional, accounting or legal advice.  Consult your tax advisor or attorney for further information. 

 

 

This is an interest bearing account.  The Education IRA is to give people a tax advantage savings account for college expenses.  This account allows distributions for a child's qualified higher education expenses to be tax free and penalty free.   

FEATURES
     

 

  • No interest will be paid and a $5.00 per statement cycle service charge on average daily balances below $500.00    
  • $500.00 minimum deposit is required to open this account

**All products with the exception of Certificates of Deposit and fixed rate IRAs have variable interest rates.  Fees may reduce earnings.
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