Personal Banking

Core Banking Features

Every Bank3 personal checking account includes these comprehensive benefits:

• No fees for domestic ATM transactions nationwide

• Unlimited transactions and check writing privileges
• Mastercard® debit card with chip technology
• Complimentary online banking and electronic statements
• Mobile banking application with 24/7 account access
• Integrated bill pay services

Bank3 Checking

Our foundational personal checking account designed for everyday banking needs with maximum convenience and value.

Enhanced Features:

1. No monthly maintenance fee
2. All core banking features included
3. Complimentary automated transfer services between Bank3 accounts to help manage overdraft protection

Interest Checking

A checking account that combines daily banking convenience with the opportunity to earn on your account balance.

Enhanced Features:

1. Competitive interest earned on collected balances
2. All core banking features included
3. $10.00 monthly maintenance fee (waived with $2,500 average collected monthly balance)

Professional Checking

Our premium checking solution designed for professionals and individuals with higher account activity and balance requirements.

Enhanced Features:

• Enhanced interest rates on balances up to $25,000 (Currently 1.50% APY)*
• All core banking features included
• $15.00 monthly maintenance fee (waived with $5,000 average collected monthly balance)
• Exclusive account benefits and priority service

Professional checking accounts are limited to one account per licensed applicant.

Traditional Savings Account

A fundamental savings solution ideal for building your financial foundation with steady, reliable growth.

Account Details:

• $100 minimum opening balance
• Interest compounded quarterly
• $5.00 quarterly maintenance fee (waived with $250 average quarterly collected balance)
• FDIC insured protection

Money Market Account

Enhanced savings with competitive tiered interest rates and convenient access to your funds.

Account Details:

• $2,500 minimum opening balance
• Tiered interest rate structure based on account balance
• $10.00 monthly maintenance fee (waived with $2,500 average collected monthly balance)
• Limited monthly transaction privileges

Advanced Money Market Account

Our premier money market solution featuring sophisticated rate structures and enhanced earning potential.

Account Details:

• $2,500 minimum opening balance
• Advanced tiered interest rate structure with premium earning opportunities
• $10.00 monthly maintenance fee (waived with $2,500 average collected monthly balance)
• Complimentary online banking platform with advanced account management tools

Certificates of Deposit

Secure, fixed-rate investment options designed to maximize your savings growth over predetermined time periods.

Features:

• Flexible term options to meet your financial timeline
• Multiple interest payment methods available
• Automatic renewal options for continued growth
• FDIC insured protection up to applicable limits

Insured Cash Sweep ® (ICS)

An innovative cash management solution offered through Bank3’s strategic partnership with IntraFi Network, providing comprehensive FDIC protection for substantial account balances.

Key Benefits:

• 100% FDIC insurance coverage for balances exceeding $250,000
• Single-relationship convenience with Bank3 as your primary contact
• Automated sweep functionality for seamless account management
• Institutional-grade cash management with personal banking simplicity

Certificate of Deposit Account Registry Service ® (CDARS)

A sophisticated certificate of deposit program available through Bank3’s partnership with IntraFi Network, designed for clients requiring enhanced FDIC protection on time deposit investments.

Key Benefits:

• 100% FDIC insurance coverage on CD balances over $250,000
• Access to competitive rates across multiple institutions
• Single-relationship management through Bank3
• Flexible terms and automatic renewal options

Ready to discover your ideal banking solution? Contact your local Bank3 banking center or email us to discuss which accounts best align with your financial goals and lifestyle needs.

Important Account Opening Information

Customer Identification Program Notice: To help the government combat terrorism financing and money laundering activities, federal law requires all financial institutions to obtain, verify, and record information identifying each individual opening an account.

What this means for you: When establishing your account relationship, we will request your name, physical address, date of birth, and additional identifying information. We may also require examination of your driver’s license or other government-issued identification documents to complete the account opening process.