Select a category for detailed information.
Personal Accounts | | | Checking | | | | Personal Checking
Non interest-bearing FDIC- insured account. Can be linked to other accounts to meet average daily balance requirements to avoid monthly service charges, per check charges, and debit card transaction fees. | Personal Checking Plus
Interest-bearing FDIC-insured account. Can be linked to other accounts to meet average daily balance requirements to avoid monthly service charges, per check charges, and debit card transaction fees. | International Personal Checking Plus
Interest-bearing FDIC-insured account for non-U.S. residents. A minimum daily balance is required to avoid monthly service charges and to earn interest. | | Private Banking Checking
Interest-bearing FDIC-insured account for Private Banking clients. A minimum daily balance is required to avoid monthly service charges and to earn interest. | | Personal Basic Checking
Available to New York State and Illinois residents only. | | | | Money Market | | | | Personal Money Market Plus
Interest-bearing, FDIC-insured, limited transaction account that allows up to six pre-authorized transfers of funds per statement period, of which three may be checks to third parties. Unlimited withdrawals are permitted in person or by ATM. There is a $15 fee for each excess check or other transfer. | Personal Preferred Money Market
Interest-bearing, FDIC-insured, limited transaction account that allows up to six pre-authorized transfers of funds per statement period, of which three may be checks to third parties. Unlimited withdrawals are permitted in person or by ATM. There is a $15 fee for each excess check or other transfer. | International Money Market
Interest-bearing, FDIC-insured, limited transaction account that allows up to six pre-authorized transfers of funds per statement period, of which three may be checks to third parties. Unlimited withdrawals are permitted in person or by ATM. There is a $15 fee for each excess check or other transfer. | | | | Savings | | | | Personal Savings Plus
Interest-bearing FDIC-insured statement savings account. Can be linked to other accounts to meet average daily balance requirements to avoid monthly service charges, per check charges and debit card transaction fees. Higher balances earn a higher rate of interest. |
Business Accounts | | | Checking | | | | Business Checking
Non interest-bearing. Meet average monthly collected balance requirements to avoid monthly service charges. An earnings credit, less required reserves, applies to accounts meeting average monthly collected balance thresholds. |
Business Checking Plus
Interest-bearing account available to sole proprietorships, eligible not-for-profit organizations, governmental units, and fiduciaries (e.g., executors or trustees) if all beneficiaries are individuals or otherwise eligible. Meet average monthly collected balance requirements to avoid monthly service charges. |
Preferred Corporate Checking
(Account Analysis)
Available to business clients with a borrowing relationship of $500,000 or more, or a deposit relationship of $250,000 or more, of which $100,000 minimum is in a non-interest bearing (checking) account.
The account earns a credit each month that is applied against the monthly service charge and activity charges incurred on the account and the fees for selected other bank services.
A premium earnings credit rate is applied to relationships with average monthly collected balances, less required reserves and compensating balances, of $50,000 or more in this account during the prior six-month period ending June or December. The premium earnings credit rate equals 90% of the average discount rate on 91-day Treasury bills sold by the U.S. Treasury at its weekly auctions during the month.
A standard earnings credit rate is applied to relationships with average monthly collected balances, less required reserves and compensating balances, of less than $50,000 in this account during the prior six-month period ending June or December.
The standard earnings credit equals the interest rate on Business Preferred Money Market Accounts. |
International
Business Checking
Non interest-bearing. FDIC-insured. Meet minimum daily account balance requirements to avoid monthly service charges. | | | | Money Market | | | |
Business Preferred Money Market
Interest-bearing limited transaction account that allows up to six pre-authorized transfers of funds per statement period, of which three may be checks to third parties. Unlimited withdrawals are permitted in personor by ATM. There is a $15 fee for each excess check or other transfer. |
For specific information about a particular account, refer to the Account Terms and Fee Schedules for each region. To get more information, contact us by email, region or call 1.800.892.5430.
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