The Halstead Bank

The Halstead Bank
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PERSONAL CHECKING

We now offer Free Checking.

  • No monthly service fees.
  • No per item fees.
  • No minimum balance.

Plus.....


SILVER PLUS CLUB CHECKING

If you are 62 years of age or over and want to earn interest, this account is for you.

  • Earn daily compounded Super Now interest rates on collected balance. Interest is paid on each statement cycle. Interest rates are established weekly and are subject to change.
  • No monthly service charge.
  • No charge for personalized generic checks;
  • No charge for photocopies.

SUPER NOW INTEREST CHECKING

An account for those who want to earn interest and write unlimited checks.

  • $1,000 initial deposit.
  • No service charge on average monthly balances exceeding $1,000.
  • Unlimited deposits and withdrawals.
  • Interest rates established weekly and subject to change.
Minimum Balance Service Charge
$700.00 - $899.00 $2.00 monthly charge
$500.00 - $699.00 $4.00 monthly charge
$ 0.00 - $499.00 $6.00 monthly charge

NOTE: By law, only sole proprietorships, governmental units, and certain nonprofit organizations are eligible for interest checking. For-Profit Corporations, partnerships, and associations may not have an interest-bearing checking account.


MONEY MARKET CHECKING/SAVINGS

This account is for customers who write a limited number of checks and want to earn a higher interest rate.

  • High yield interest rates established weekly based on prevailing market rates.
  • Minimum initial deposit of $1,000.
  • No service charge on average monthly balances exceeding $1,000.
  • Maximum of six (6) withdrawals by check or third-party debit per statement cycle.
  • Unlimited transactions on over-the-counter, mail, or ATM activity.
Minimum Balance Service Charge
$700.00 - $899.00 $2.00 monthly charge
$500.00 - $699.00 $4.00 monthly charge
$ 0.00 - $499.00 $6.00 monthly charge

NOTE: By law, only sole proprietorships, governmental units, and certain nonprofit organizations are eligible for interest checking. For-Profit Corporations, partnerships and associations may not have an interest-bearing checking account.


SECURITY INVESTMENT ACCOUNT (SIA)

For customers with $10,000 or more who want immedieate access to their funds. SIA accounts earn interest above money market and regular savings rates.

  • Minimum initial deposit of $10,000.
  • Maximum of six (6) withdrawals by check or third-party debit per statement cycle.
  • If average daily balance for the statement cycle falls below $10,000, a $10.00 service charge will be assessed.

RESERVE CHECKING - OVERDRAFT PROTECTION

For customers who want a pre-approved line of credit for emergencies, unexpected needs, or to cover checks until funds are deposited. Ask a loan officer for details.


Check our current Rates.

The Halstead Bank Privacy Policy
Electronic Funds Transfer (EFT) Disclosure
Truth-in-Savings Disclosure
Funds Availability Disclosure
Schedule of Fees and Charges