STUDENT SAVINGS1, 2 |
PASSBOOK SAVINGS1, 3 |
STATEMENT SAVINGS1, 3 |
SMART MONEY MARKET1, 3 |
OPTIMA MONEY MARKET1, 3 |
| Recommended if you want... |
|
The perfect account for children developing good savings habits. |
To have a basic savings account to build a saving program and keep track of your finance in a passbook. |
To have a basic savings account to build a saving program with the ease of automatically receiving statements. |
Earn higher interest rates with higher balance tiers. |
Earn competitive interest rates with higher balance tiers. |
| Minimum Opening Deposit |
| $10 |
$100 |
$100 |
$5,000 |
$100,000 |
| Interest |
• Variable rate
• Compounds daily
• Credits quarterly |
• Variable rate
• Compounds daily
• Credits quarterly |
• Variable rate
• Compounds daily
• Credits quarterly |
• Variable tiered rate
• Compounds monthly
• Credits monthly |
• Variable tiered rate
• Compounds monthly
• Credits monthly |
| Term |
| None |
None |
None |
None |
None |
| Minimum Daily Balance to avoid monthly
Maintenance Fee |
| None |
$500 |
$500 |
$5,000 |
$100,000 |
| Monthly Maintenance Fee if Requirements not met |
| None |
$3 |
$3 |
$10 |
$50 |
| Statement |
| Annually |
Annually |
Quarterly |
Monthly |
Monthly |
| Online Banking |
| Free access |
Free access |
Free access |
Free access |
Free access |
| Other Features and Benefits |
|
• Unlimited Teller Service |
• 24/7 access to account via online
• Unlimited Teller Service
• Surcharge-Free withdrawals at Cathay Bank and STARsf® (Effective 12/07) ATMs |
• 24/7 access to account via online
• Unlimited Teller Service
• Surcharge-Free withdrawals at Cathay Bank and STARsf® (Effective 12/07) ATMs |
• 24/7 access to account via online
• Unlimited Teller Service
• Surcharge-Free withdrawals at Cathay Bank and STARsf® (Effective 12/07) ATMs |
• 24/7 access to account via online
• Unlimited Teller Service
• Surcharge-Free withdrawals at Cathay Bank and STARsf® (Effective 12/07) ATMs |
|
1 Only six transfers are allowed from your account each statement period, if by preauthorized
or automatic transfer, or telephone (including data transmission) agreement, order or instruction.
Only three transfers may be made by check, draft, debit card, or similar order (including POS & wire
transfers). Withdrawals and some transfers made in person, by messenger, by mail, or at ATM are unlimited.
2 No ATM service allowed.
3 Fees can reduce the earnings on the account.
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