Personal deposit accounts
These documents apply to personal checking, savings and certificate accounts. The agreement in effect when you opened your account, together with any amendments we have sent you, governs the relationship.
- Deposit Account AgreementEffective July 1, 2026
- Personal Fee ScheduleEffective July 1, 2026
- Funds Availability PolicyEffective July 1, 2026
- Electronic Fund Transfer DisclosureEffective July 1, 2026
- Privacy NoticeEffective March 1, 2026
Business deposit accounts
Business accounts are governed by the Business Deposit Account Agreement and are priced under an analysis schedule that discloses earnings credit rates, per-item fees and cash handling charges.
- Business Deposit Account AgreementEffective July 1, 2026
- Business Fee & Analysis ScheduleEffective July 1, 2026
- Treasury Services TermsEffective July 1, 2026
Key terms in plain language
We are required to give you the full documents, but here is what most questions come down to.
- Overdraft: transactions under $50 negative are not charged a fee, and you have a full business day to restore a positive balance
- Funds availability: the first $200 of a check deposit is available the same business day, with the remainder by the second business day
- Error resolution: report an error within 60 days of the statement date and we investigate within 10 business days, applying provisional credit where required
- Rate changes: savings APY is variable and we may change it at any time without notice
