| eCD: Interest earning account with guaranteed fixed rate with interest paid monthly to a Franklin Synergy Bank checking or savings account. |
- Interest must be credited to a Franklin Synergy Bank checking or savings account monthly.
- Current Rate: 1.90%
- Current APY: 1.90%
- Term: 12 Months
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| *Interest will be paid monthly. Maximum single CD value limited to $99,000 or less and total CD values are limited to $500,000 per customer. Rates subject to change at any time. $1,000 minimum investment. |
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| E-Savings Account: An online savings account designed to reward our customers who wish to bank electronically. More Info...Hide Info |
- $0.00 - $25,000: 1.35%
- $25,000 and up: 1.75%
- Maximum of $500 electronic deposit accepted from external account
- Three free withdrawals per month, $5 per withdrawal over three
- E-mail statements ($3 charge per mailed statement)
- Interest paid quarterly
| Tiers | Rate | APY | Min. Balance to
Obtain APY | Min. Balance
To Open |
|---|
| $0.00 - $25,000 | 1.35% | 1.35% | $0.01 | $500 |
| $25,000 and up | 1.75% | 1.75% | $0.01 | $500 |
| Rates current as of 3/9/2010 |
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| *After 6 transactions, you may be subject to an excessive activity charge. Under Federal Regulation, transfers or withdrawals from a savings deposit or Money Market account by check, debit card or similar order payable to third parties are limited to six per month. If this limitation is exceeded on a regular basis, we are required to convert your account to another account that permits unlimited transactions. If you exceed the transfer limitations set forth above in any statement period, you account will be subject to closure by the financial institution. |
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| Basic Checking: An account designed to help you manage your money at low or no cost. |
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| Custom Checking: An interest-earning checking account with tiered interest. You earn a higher rate of interest on your balances over $10,000. More Info...Hide Info |
- No monthly service charge with a minimum balance of $1,000
- Tiered rate of interest paid monthly
- Unlimited check writing
- Free Internet Banking and Bill Pay
- E-mail statements available
- Franklin Synergy Bank Debit MasterCard
- Unlimited Franklin Synergy Bank ATM transactions
- Three free non-Franklin Synergy Bank ATM transactions per statement
- Direct Deposit available
- Overdraft Protection available via savings account or equity line
- Free box of standard wallet size checks at account opening
| Tiers | Rate | APY | Min. Balance to
Obtain APY | Min. Balance
To Open |
|---|
| 0.00 - $2,499 | 0.10% | 0.10% | $0.01 | $100 |
| $2,500 - $9,999 | 0.10% | 0.10% | $0.01 | $100 |
| $10,000 and over | 0.20% | 0.20% | $0.01 | $100 |
| Rates current as of 3/9/2010 |
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| Pineapple Gold Club Checking: a relationship account for customers aged 50 and better that offers you extra benefits in addition to Synergy Custom Checking. More Info...Hide Info |
- No monthly service charge with direct deposit or opening balance of $500 with average monthly balance of $250
- .10% premium on customer Certificates of Deposit
- Discount on group travel opportunities
- Unlimited check writing
- Quarterly newsletter
- Free for one year, small size safety deposit box (subject to availability)
- Bonus rate on CD's
- Free 24-Hour Internet Banking and Bill Pay
- E-mail statements available
- Franklin Synergy Bank Debit MasterCard
- Unlimited Franklin Synergy Bank ATM transactions
- Five free non-Franklin Synergy Bank ATM transactions per statement
- Free Notary Service
- Free standard wallet size checks
- Direct Deposit available
- Overdraft Protection available via savings account or equity line of credit
| Tiers | Rate | APY | Min. Balance to
Obtain APY | Min. Balance
To Open |
|---|
| 0.00 - $2,499 | 0.08% | 0.08% | $0.01 | $500 |
| $2,500 - $9,999 | 0.10% | 0.10% | $0.01 | $500 |
| $10,000 - $49,999 | 0.24% | 0.24% | $0.01 | $500 |
| $50,000 - $99,999 | 0.29% | 0.29% | $0.01 | $500 |
| $100,000 - $149,999 | 0.34% | 0.34% | $0.01 | $500 |
| $150,000 and over | 0.39% | 0.39% | $0.01 | $500 |
| Rates current as of 3/9/2010 |
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- No monthly service charge with direct deposit or opening balance of $500 with average monthly balance of $250
- .10% premium on customer Certificates of Deposit
- Discount on group travel opportunities
- Unlimited check writing
- Quarterly newsletter
- Free for one year, small size safety deposit box (subject to availability)
- Bonus rate on CD's
- Free 24-Hour Internet Banking and Bill Pay
- E-mail statements available
- Franklin Synergy Bank Debit MasterCard
- Unlimited Franklin Synergy Bank ATM transactions
- Five free non-Franklin Synergy Bank ATM transactions per statement
- Free Notary Service
- Free standard wallet size checks
- Direct Deposit available
- Overdraft Protection available via savings account or equity line of credit
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| Synergy Club Checking: A relationship account that offers you extra benefits in addition to Synergy Custom Checking. More Info...Hide Info |
- No monthly service charge with direct deposit (payroll or social security) or opening balance of $1,000 with average monthly balance of $500
- Member interest rates
- Discount on group travel opportunities
- Unlimited check writing
- Bonus rate on Certificates of Deposit
- Preferred rates on consumer and mortgage loans
- Free Internet Banking and Bill Pay
- E-mail statements available
- Franklin Synergy Bank Debit MasterCard
- Unlimited Franklin Synergy Bank ATM transactions
- Five free non-Franklin Synergy Bank ATM transactions per statement
- Free Notary Service
- Free standard wallet size checks
- Overdraft Protection available via savings account or equity line
| Tiers | Rate | APY | Min. Balance to
Obtain APY | Min. Balance
To Open |
|---|
| 0.00 - $2,499 | 0.08% | 0.08% | $0.01 | $1,000 |
| $2,500 - $9,999 | 0.10% | 0.10% | $0.01 | $1,000 |
| $10,000 - $49,999 | 0.24% | 0.24% | $0.01 | $1,000 |
| $50,000 - $99,999 | 0.29% | 0.29% | $0.01 | $1,000 |
| $100,000 - $149,999 | 0.34% | 0.34% | $0.01 | $1,000 |
| $150,000 and over | 0.39% | 0.39% | $0.01 | $1,000 |
| Rates current as of 3/9/2010 |
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| Synergy Savings Account: A basic, traditional savings account. More Info...Hide Info |
- Minimum opening balance $100
- Monthly fee of $3.00, if balance falls below $100
- Competitive variable interest rate earned on the entire daily collected balance, paid quarterly
- Free email-statements available
| Tiers | Rate | APY | Min. Balance to
Obtain APY | Min. Balance
To Open |
|---|
| $0.00 and over | 0.50% | 0.50% | $0.01 | $100 |
| Rates current as of 3/9/2010 |
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| *After 6 transactions, you may be subject to an excessive activity charge. Under Federal Regulation, transfers or withdrawals from a savings deposit or Money Market account by check, debit card or similar order payable to third parties are limited to six per month. If this limitation is exceeded on a regular basis, we are required to convert your account to another account that permits unlimited transactions. If you exceed the transfer limitations set forth above in any statement period, you account will be subject to closure by the financial institution. |
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| Synergy Money Market Account: An account that offers a variable competitive interest rate and check writing privileges (federal limitations apply). More Info...Hide Info |
- Minimum opening balance $2,500
- Monthly fee of $15.00, waived with minimum daily balance of $2,500
- Tiered interest paid on daily collected balances (rates subject to change)
- Limited checkwriting with no transaction charge
- Per check charge of $3.00 after 3 checks per statement
- Franklin Synergy Bank Debit Card
- Free e-mail statements
| Tiers | Rate | APY | Min. Balance to
Obtain APY | Min. Balance
To Open |
|---|
| 0.00 - $9,999 | 0.20% | 0.20% | $0.01 | $2,500 |
| $10,000 - $49,999 | 0.59% | 0.59% | $0.01 | $2,500 |
| $50,000 - $99,999 | 0.84% | 0.84% | $0.01 | $2,500 |
| $100,000 - $249,999 | 1.14% | 1.14% | $0.01 | $2,500 |
| $250,000 - $499,999 | 1.39% | 1.39% | $0.01 | $2,500 |
| $500,000 and over | 1.59% | 1.59% | $0.01 | $2,500 |
| Rates current as of 3/9/2010 |
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| *After 6 transactions, you may be subject to an excessive activity charge. Under Federal Regulation, transfers or withdrawals from a savings deposit or Money Market account by check, debit card or similar order payable to third parties are limited to six per month. If this limitation is exceeded on a regular basis, we are required to convert your account to another account that permits unlimited transactions. If you exceed the transfer limitations set forth above in any statement period, you account will be subject to closure by the financial institution. |
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| *APY = Annual Percentage Yield |