Personal Deposit Accounts

Personal Deposit Accounts

Frontier Bank has several different types of accounts:

		Economy Checking			Prime Savings Account
		Unlimited Interest Checking			Genesis Savings Account
		50+ Free Interest Checking			Prime Time Money Market
		VIP Free Interest Checking			Essential Money Market
		Wall Street Checking			Other Banking Services

All of Frontier Bank's personal checking accounts have the following services available:

Free VISA Debit® Card
Free ATM Card
Free NetTeller Online Banking Service
Free NetTeller with Power Pay *
Free E-Statements
Free 24-hour Telephone Banking
Overdraft Protection available for qualified accounts, please see disclosure at bottom of page.

*First 15 transactions per month are free. Beginning with the 16th transaction, the cost is $.50 per transaction.

Economy Checking

$50 minimum opening deposit
No minimum balance
$2 monthly service charge
No per check charge
Unlimited check writing
Easy to balance monthly statement
Check imaging for easy record keeping

Unlimited Interest Checking

$50 minimum opening deposit
Free personalized safety checks
Competitive interest rate
No minimum balance
No per check charge
Unlimited check writing
Easy-to-balance monthly statement
Check imaging for easy record keeping
All for only $4.00 per month

50+ Free Interest Checking

$50 minimum opening deposit
Competitive interest rate
No minimum balance
No monthly service charge
No per check charge
Unlimited check writing
Check imaging for easy record keeping

VIP Free Interest Checking

$50 minimum opening deposit
Competitive interest rate
No monthly service charge
No per check charge
Unlimited check writing
Check imaging for easy record keeping
No minimum balance

Wall Street Checking

$50 minimum opening deposit
Higher interest rates with balances of $2,500 or more
Competitive interest rate if balance falls below $2,500
No per check charge
Unlimited check writing
No monthly service charge on balances of $1,000 or more
If balance falls below, $1,000 $8 per month service charge
Check imaging for easy record keeping

Prime Savings Account

$100 minimum opening deposit
Competitive interest rate based on Wall Street Journal Prime Rate (as high as Prime minus 5.0%)
Minimum interest rate is 0.25%
Maximum interest rate is 9.00%
One free withdrawal per month, then $1.00 per withdrawal

Genesis Savings

$50 minimum opening deposit
Special savings account strictly for minors
No minimum monthly balance requirements
Interest bearing account
Interest compounds daily and credits quarterly
One free withdrawal per month, $1.00 for each additional withdrawal in the same month
ATM card available

Prime Time Money Market

$5000 minimum to open
Rates based on Wall Street Journal Prime
No monthly service charge on balances of $5000 or more
$15 service charge per month if balance falls below $5000 during statement cycle
No more than six preauthorized withdrawals, automatic or telephone transfers, checks, drafts, and debit card or other similar transactions from your account per statement cycle

Essential Money Market

Tiered account with competitive interest rates
$2500 minimum opening deposit
No monthly service charge on balances of $2500 or more
$15 minimum balance fee if balance falls below $2500 any day of the statement cycle
No more than six preauthorized withdrawals, automatic or telephone transfers, checks, drafts, and debit card or other similar transactions from your account per statement cycle

Other Banking Services

Certificates of Deposit
Wire Transfer Service
Safe Deposit Box
Credit Card Services
ACH Services
Individual Retirement Accounts

Your "available balance" may include an overdraft privilege amount. Each item that could result in an insufficient funds status, whether paid or returned, may be charged a fee in accordance with Frontier Bank's latest fee schedule. The amount of any overdraft fees are subject to change without notice. Any overdraft amount must be repaid or covered within 60 days to avoid having your account placed in a charge-off status. Payment of any overdraft(s) is done at the discretion of Frontier Bank regardless of any overdrafts that may have been paid in the past. Any transaction, whether it be check, ATM, debit, POS (Point-of-Sale), or ACH (Automated Clearing House) which results in the account being placed into an insufficient funds status is subject to overdraft privilege fees. Effective July 1, 2010 for new accounts and August 15, 2010 for existing accounts, payment of overdrafts for ATM transactions and one time debit transactions will be made in accordance with the customers Reg E opt in/out election.

Please see your account disclosure and Schedule of Fees and Charges

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Please click here for our Disclosures. *This Frontier Bank web site may contain links to other web sites operated by third parties. The linked sites are not under any control of Frontier Bank or its affiliates or subsidiaries, and Frontier Bank is not responsible for their content. Such links do not imply Frontier Bank's endorsement or guarantee of the products, information, or recommendations provided by any third party site. The third party site may have a privacy policy different from that of Frontier bank and may provide less security than the Frontier Bank web site. Frontier Bank disclaims all liability with regard to your access to such linked web sites. Frontier Bank provides links to other web sites as a service to users, and access to any other sites linked to Frontier Bank is at your own risk. For additional information please click here. It is the policy of Frontier Bank not to contact customers electronically. Email and the world wide web are not secure methods of contacting our customers. If you receive an email from us asking for sensitive information or to follow a link to update customer information please report the incident to us immediately at 866.216.0948 to report the email in question.