Checking
A checking account allows for easy access to funds for various financial transactions. It is typically used for everyday expenses, such as paying bills, making purchases, and withdrawing cash. This account often comes with features such as check-writing abilities, debit cards, and online banking, providing convenient ways to manage and access money.
Savings
A savings account is designed to help save money and earn interest. Unlike checking accounts, savings accounts are intended for accumulating funds over time rather than frequent transactions. They are commonly used to set aside money for future goals, emergencies, or major purchases, providing a secure and accessible way to save and grow finances.
Certificate of Deposit
A Certificate of Deposit (CD) is a financial product that allows you to deposit a specific sum of money for a fixed period of time, at a predetermined interest rate. CDs are known for offering higher interest rates compared to traditional savings accounts, making them an attractive option for individuals seeking low-risk investment opportunities.
Personal Checking Accounts
All our personal checking accounts include:
- Free Mobile Banking and Deposits
- Free Debit Card7 with Fraud Alerts
- Free Crest Savings ATM deposits6
- Free PhoneLink
- Free Online Banking & Bill Presentment
- Debit Card Controls with Card Valet
- Pay Anyone with Zelle®
Compare Personal Accounts
- Available to individuals 16 years old or over.
- No monthly maintenance fee.
- No minimum balance requirements.
- Unlimited check writing.
- Free standard bill pay.
- Free eStatements with check images.3
- Free non-Crest Savings ATM transactions.4
- Available for individuals 55 years of age or over.
- Interest paid on balances of $250 and above.
- No monthly maintenance fee
- Free first order of standard line checks.
- 20% discount on all standard line check orders.
- Free standard bill pay.
- Unlimited check writing.
- No fee for money order purchase.
- 5 free4 foreign ATM withdrawals per statement cycle.2
- Non-interest bearing.
- $3 monthly maintenance fee.
- No minimum balance requirements.
- Free standard bill pay.
- Unlimited check writing.
- 5 free4 foreign ATM withdrawals per statement cycle.2
- Interest paid on balances of $500 and above.
- Monthly maintenance fee
- For available balance of $500 and above: FREE.
- For available balance below $500 any day of the month: $8.
- Free first order of standard line checks.
- Free standard bill pay.
- Unlimited check writing.
- 5 free4 foreign ATM withdrawals per statement cycle.2
- Interest paid on a tiered basis.
- Monthly maintenance fee
- For daily balance of $1,000 and above: FREE.
- For daily balance below $1,000: $10.
- Free standard bill pay.
- Unlimited check writing.
- $3 monthly maintenance fee.
- $1 minimum daily balance to remain open.
- Non-interest bearing.
- Write up to 8 checks per monthly statement cycle.
at no charge.5
2$0.35 each balance inquiry and $1 each withdrawal in excess of 5. 3Acceptance of e-sign agreement or $3 a month for printed statements. 4A fee may be charged by Non Crest Savings terminal operators. 5Any additional checks written are $0.50 each. 6Crest Savings Bank’s deposit ATMs only.7Depositors under 18 will require a parent/guardian on the Freedom Account to obtain debit card.
Business Checking Accounts
Our business checking accounts include the following at not additional charge:
- Debit Card with Fraud Alerts1
- 5 FREE Non-Crest Savings ATM Withdrawals2
- Crest Savings ATM Deposits3
- Online Banking & Bill Pay
- Online Statements
- Phone Link
- Debit Card controls with Card Valet
- Merchant Services EMV Terminal4
Compare Business Accounts
- Monthly maintenance fees:
- For daily balances of $800 and above: FREE.
- For daily balance below $800: $8.
- Transaction fees:
- First 100 items deposited or cashed: FREE.
- Additional items after 100: $0.25 per item.
- Cash Management monthly fee: $25.
- Remote Deposit Multi-Item Capture monthly fee: $40
- Monthly maintenance fees:
- For daily balances of $1,500 and above: FREE.
- For daily balance below $1,500: $15.
- Transaction fees:
- Items deposited or cashed: $0.10 per item.
- Cash Management monthly fee: $25.
- Remote Deposit Multi-Item Capture monthly fee: $40.
- Credits earned on collected balances are applied against transaction fees.
- FREE Relationship Plus Accounts:
- No minimum balance requirement or fees.
- Titling and Tax ID must be the same as Suite account.
- No monthly maintenance or transaction fees.
- Cash Management monthly fee: $25.
- Remote Deposit Multi-Item Capture monthly fee: $40.
- Corporate interest-bearing account.
- Interest paid on a tiered basis.
- Monthly maintenance fees:
- For daily balance of $5,000 and above: FREE.
- For daily balance below $5,000: $10.
1Debit card not available for two signature accounts. 2$0.35 each balance inquiry and $1 each withdrawal in excess of 5. A fee may be charged by Non-Crest Savings terminal operators. 3Crest Savings Bank’s deposit ATMs only. 4Standard retail device setup under Terminal Loan Agreement. 5Available only during normal business hours. 6When an operating account is open. 7Not available with Cash Management.
Savings Accounts
- Minimum deposit to open: $50.
- Minimum daily balance: $250.
- Tiered interest rates.
- Monthly maintenance fees:
- Daily balance $250 and above: FREE.
- Daily balance below $250: $5.
- Minimum deposit to open: $1.
- No minimum daily balance to earn interest.
- No monthly maintenance fee.
- Converts to a Diamond Savings when student turns 18.
- Account can be opened as individual or joint with a parent/guardian/adult.
- ATM card available to individuals 14 years of age or older with a parent / guardian / adult on the account.
Certificate of Deposit
Choose one of our many CD terms, ranging from 3 months to 60 months (5 years).
- You can choose to either leave your interest on deposit to your CD or transfer it to another Crest Savings Bank Account.
- You can invest as little as $500.
Is a CD Ladder right for you?
If you’re looking for a savings strategy with both short and long term benefits, consider Certificate of Deposit (CD) laddering. You can use CDs or IRA CDs. Whether you’re brand new to CD laddering or already familiar with the concept, we will show you how this strategy works, and why you’d use it.
FDIC Insurance Notes:
Your bank deposits are safe at Crest Savings with FDIC insurance coverage up to $250,000 per depositor category. If you have over $250,000 in deposits, there may be additional FDIC insurance coverage based on how your accounts are categorized. Contact your tax representative or visit https://edie.fdic.gov/ to calculate the insurance coverage for your accounts.