Personal Checking

Checking should always mean choices

You may be asking what really sets bankcda apart from your other choices. As well you should – it’s smart to identify the reasons that drive your decision. Our answer? Well, we have an array of personal deposit products that can fit your specific needs, and the experts to help you land on the right one. Bank any way you like: at our 4 branches, 24-hr ATM, online, and mobile. Come chat with one of our Personal Bankers to get detailed information on the different accounts listed below.

Here’s an overview of our Personal Account Options: Click here for the printable version

CHOICE**

  • An ideal checking account with relationship benefits
  • Minimum Balance*
    $750
  • Monthly Minimum Balance Fee**
    $5
  • Pays Interest
    N/A
  • Free Logo Checks
    N/A
  • Safe Deposit Box Rental
    N/A
  • Free Cashiers’ Checks*
    N/A
  • Statement
    eStatement monthly

PREFERRED 50

  • Exclusively for those 50 years of age and older
  • Minimum Balance*
    N/A
  • Monthly Minimum Balance Fee**
    N/A
  • Pays Interest
    Yes
  • Free Logo Checks
    Yes
  • Safe Deposit Box Rental
    Free small box****
  • Free Cashiers’ Checks*
    Yes
  • Statement
    Monthly

FIRSTRATE CHECKING

  • Earn rewards for account activity to reduce your monthly minimum balance fee
  • Minimum Balance*
    $5,000
  • Monthly Minimum Balance Fee**
    $10.00
  • Pays Interest
    Yes
  • Free Logo Checks
    First order of starter checks
  • Safe Deposit Box Rental
    No discount
  • Free Cashiers’ Checks*
    Yes
  • Statement
    Monthly

* Minimum balance fee will be waived for daily balances maintained over minimum requirement or reduced by Rewards earned by meeting certain criteria.

**Minimum balance fee will be imposed as follows: $5.00 every statement cycle if the daily balance in the account is below $750 or the combined daily balances in primary or jointly owned personal checking, personal savings or personal money market accounts fall below $2,000 on any day of the statement cycle.

*** Rewards include: -$1.00 for direct deposit, -$1.00 for estatement, -$1.00 for every 20 debit card transactions.

**** Availability is limited.

Personal Savings

We get a lot of sun here, but you’ll want to prepare for some rainy days.

We never know what life will bring our way. So setting up a savings account or CDs can help you prepare for the unknown future. Yet, there are many ways to go about doing so, which is why we recommend taking some time to talk with one of our experienced Personal Bankers. You’ll appreciate all the details, and we’re pretty sure you’ll enjoy the conversation.

Bank any way you like: at our 4 bank branches, 24-hr ATM, online, or mobile. Come chat with one of our Personal Bankers to get detailed information on the different accounts and products listed below.

Here’s an overview of our Personal Savings & CDs Options: Click here for the printable version.

PERSONAL

  • Our traditional savings account
  • Minimum Balance*
    $250
  • Monthly Minimum Balance Fee**
    $1.00/month (assessed quarterly)
  • Pays Interest
    Yes
  • Rates
    Variable
  • Monthly Transaction Limits**
    6 withdrawals
  • Statement
    eStatement quarterly

FIESTA

  • Automatically build savings for holidays, vacations or your goals
  • Minimum Balance*
    N/A
  • Monthly Minimum Balance Fee**
    N/A
  • Pays Interest
    On balances over $5,000
  • Rates
    Tiered
  • Monthly Transaction Limits**
    6 withdrawals
  • Statement
    Quarterly

HEALTH SAVINGS ACCOUNT

  • A tax-advantage personal savings account that works with a high-deductible health plan
  • Minimum Balance*
    N/A
  • Monthly Minimum Balance Fee**
    N/A
  • Pays Interest
    Yes
  • Rates
    Variable
  • Monthly Transaction Limits**
    Unlimited
  • Statement
    Monthly

JUNIOR

  • Exclusively for those under age 18
  • Minimum Balance*
    N/A
  • Monthly Minimum Balance Fee**
    N/A
  • Pays Interest
    Yes
  • Rates
    Variable
  • Monthly Transaction Limits**
    6 withdrawals
  • Statement
    eStatement quarterly

CERTIFICATE OF DEPOSIT

  • terms 90 days to 5 years
  • Minimum Balance*
    N/A
  • Monthly Minimum Balance Fee**
    N/A
  • Pays Interest
    Yes
  • Rates
    Fixed
  • Monthly Transaction Limits**
    Penalty for early withdrawal
  • Statement
    Online only

INDIVIDUAL RETIREMENT ACCOUNT

  • Terms 1 to 5 years
  • Minimum Balance*
    N/A
  • Monthly Minimum Balance Fee**
    N/A
  • Pays Interest
    Yes
  • Rates
    Fixed
  • Monthly Transaction Limits**
    Penalty for early withdrawal
  • Statement
    Online only

* Minimum balance fee will be waived for daily balances maintained over minimum requirement or reduced by Rewards earned by meeting certain criteria.

** You may make no more than six preauthorized withdrawals, automatic or telephonic transfers, checks, drafts and debit card or other similar transactions from the account per month or statement cycle. Money Market and savings account holders may make unlimited withdrawals or transfers from the account if they are conducted in person, by mail or via ATM.

Personal Services

We get you and you get more than you expect.

Sometimes saying you’re a “local bank” creates a certain perception. A reaction may be, “It’s nice that you’re local, but I need a full service bank – people with experience.” That’s why we hand pick the right people, with the right expertise. Because we agree, it’s not enough to just be local, your bank needs to provide the full range of services for every need a customer may have.

You’re always invited to speak with one of our Personal Bankers to get detailed information on the services that we provide.

At bankcda we have great personal credit options to fit the needs of what individuals need from Notary, Wires, Cashiers Checks, Safe Deposit, and Personal lines of Credit.

Online Banking

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