PERSONAL DEPOSIT ACCOUNTS

Make a difference in the neighborhoods where you live and work - choose an Albina Community Bank account.

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Community E-Free Checking
Looking for a free checking account?  Like the idea of receiving electronic statements and notices?  If so, the Community e-Free Checking is the product for you.

• $100 minimum opening deposit
• No minimum daily balance
• No monthly service fee
• Non-interest bearing
  
• e-Statement required
• No fee for standard online banking access

Community Basic Checking
Would you prefer to receive a paper copy of your monthly statement and notices?  Try Community Basic Checking.  Keep a minimum balance in the account to avoid a monthly fee for paper statements.

• $100 minimum opening deposit
• No minimum daily balance
• No monthly service fee
• Non-interest bearing
• $2.50 monthly fee for paper statements
• $500 minimum daily balance to waive monthly statement fee
• No fee for standard online banking access
  

Community Interest Checking
Do you want to earn interest on your checking account?  Albina's Community Interest Checking pays competitive rates, and if you maintain a minimum balance in your account, we'll waive the monthly service fee.

• $100 minimum opening deposit
• $10 monthly service fee w/Check Safekeeping; $12 with check images returned (electronic or paper format)
  
• $1,000 minimum daily balance to waive monthly fee
• Earns interest based on account balance
• No fee for standard online banking access
  

Community Checking Plus
Looking for an account with all the bells and whistles?  The Community Checking Plus account gives you free Online Bill Payment services; a free small safe deposit box; free savings account; and five free Cashier's Checks or Money Orders every month.  Maintain a minimum balance and the monthly service fee is waived.

• $100 minimum opening deposit
• $8 monthly service fee w/Check Safekeeping; $10 with checks returned (electronic or paper format)
• $2,500 minimum daily balance to waive monthly fee
  
• Non-interest bearing
• 5 Free Cashier's Checks or Money Orders per month
• Free Consumer Online Bill Payment Services
  
• Free Small Safe Deposit Box where available
• Free Savings account (with combined statement)
• No fee for standard online banking access
  

Statement Savings
Saving for something special?  Want to start an account for a child or grandchild?  Our Statement Savings Account pays you a competitive rate of interest while giving you easy access to your funds.  We'll even waive the fee if you maintain a minimum balance or if the account is for the benefit of a minor.

• $50 minimum opening deposit
• $10 minimum balance required to keep account open
  
• $4.00 monthly service fee if daily minimum balance drops below $200
• $10 for each restricted transfer over 6 per statement cycle
  
• Variable rate of interest

Community Money Market
Want to earn a higher rate of interest while keeping your funds accessible?  A Community Money Market account is for you.  Maintain a minimum balance and we'll waive the monthly service fee.

• $100 minimum opening deposit
• $10 monthly service fee if daily minimum balance drops below $2,500
• $10 for each restricted transfer over 6 per statement cycle
  
• Earns interest based on account balance
• No fee for standard online banking access
  

Community Money Market Plus
Our Community Money Market Plus account provides you with access to your funds and allows you to earn a higher rate of interest.  We'll waive the monthly service fee if you maintain a minimum balance.

• $100 minimum opening deposit
• $25 monthly service fee if daily minimum balance drops below $100,000
• $10 for each restricted transfer over 6 per statement cycle
• Earns interest based on account balance
• No fee for standard online banking access
  

Certificates of Deposit
Albina Community Bank's certificate of deposit accounts pay a higher rate of interest for a specific period of time.  Choose terms from 3 months to 5 years, with the ability to add to our 6 and 12 month certificates.

• $100 minimum opening deposit
• Terms from 3 months to 5 years
• ACB 6 and 12 month terms allow add-on deposits
• Early withdrawal penalties may apply

Individual Retirement Accounts
Saving for retirement or your child's college education?  We offer many different options to help you plan.

• $100 minimum opening deposit
• Terms of 1, 2 and 3 years
• 1 year term allows for add-on deposits
• Traditional, Roth and Coverdell (Educational) IRAs are available
• Early withdrawal penalties may apply

Charitable Certificate of Deposit
Designate a charity and the interest earned over the life of the certificate of deposit will be paid to them automatically - an easy way to provide support to your favorite charity.