Personal Deposit Products

Town Center Bank offers you and your family state-of-the-art technology and a wide range of deposit account choices to help manage your household money.

Current Rates

Fee Schedule

Checking

Account Type Minimum Opening Deposit Interest Paid Account Requirements Monthly Fee Check or Debit Fee ATM Access Sign Up
Free Interest Checking $100 Monthly Interest paid on balances $1,000.00 and above. None None Yes Sign Up
e-Banking $100 N/A Free Rewards Debit Card to access account; no checks. Electronic statement only through our free on-line banking system. None N/A Yes Sign Up
Money Market $2,500 Monthly Must maintain at least a daily balance of $2,500.00 to earn interest and avoid a monthly fee. $10.00 if balance falls below $2,500.00 $5.00 Excessive Transaction Fee will be charged for items over allowed transactions. A total of six withdrawals by check, draft, debit card, preauthorized or automatic transfers are allowed per statement cycle. No Sign Up
Premier Interest Checking $10,000 Monthly Must maintain at least a daily balance of $10,000.00 to earn interest and avoid a monthly fee. $20.00 if balance falls below $10,000.00 None Yes  

 
Free Interest Checking
Minimum Opening Deposit $100.00
Interest Paid Monthly
Account Requirement Interest paid on balances $1,000.00 and above.
Fee None
Check or Debit Fee None
ATM Access Yes
Sign Up
e-Banking
Minimum Opening Deposit $100.00
Interest Paid N/A
Account Requirement Free. Rewards Debit Card to access account; no checks. Electronic statement only through our free on-line banking system.
Fee None
Check or Debit Fee N/A
ATM Access Yes
Sign Up
Money Market
Minimum Opening Deposit $2,500.00
Interest Paid Monthly
Account Requirement Must maintain at least a daily balance of $2,500.00 to earn interest and avoid a monthly fee.
Fee $10.00 if balance falls below $2,500.00
Check or Debit Fee $5.00 Excessive Transaction Fee will be charged for items over allowed transactions. A total of six withdrawals by check, draft, debit card, preauthorized or automatic transfers are allowed per statement cycle.
ATM Access No
Sign Up
Premier Interest
Minimum Opening Deposit $10,000.00
Interest Paid Monthly
Account Requirement Must maintain at least a daily balance of $10,000.00 to earn interest and avoid a monthly fee.
Fee $20.00 if balance falls below $10,000.00
Check or Debit Fee None
ATM Access Yes

Savings & Certificates of Deposit

Account Type Minimum Opening Deposit Interest Paid Account Requirement Fee Check Writing Fee ATM Access Sign Up
Personal Statement Savings $100.00 Monthly Must maintain a daily balance of $250.00 to earn interest and avoid monthly fee. $3.00 if balance falls below $5.00 Excessive Transaction Fee will be charged for items over allowed transactions. A total of six withdrawals by check, draft, debit card, preauthorized or automatic transfers are allowed per month. Yes Sign Up
Minor Statement Savings $50.00 Monthly   None Transactions from a savings account to another account or to third parties by preauthorized, automatic, or computer transfer are limited to six per month with no transfer allowed by check, debit card or similar order to third parties. Yes Sign Up
Certificates of Deposit $1,000.00 Varies   None None None  

 
Personal Statement Savings
Minimum Opening Deposit $100.00
Interest Paid Quarterly
Account Requirement Must maintain a daily balance of $250.00 to earn interest and avoid monthly fee.
Fee $3.00 if balance falls below
Check Writing Fee $5.00 Excessive Transaction Fee will be charged for items over allowed transactions. A total of six withdrawals by check, draft, debit card, preauthorized or automatic transfers are allowed per month.
ATM Access Yes
Sign Up
Minor Statement Savings
Minimum Opening Deposit $50.00
Interest Paid Quarterly
Account Requirement  
Fee None
Check Writing Fee Transactions from a savings account to another account or to third parties by preauthorized, automatic, or computer transfer are limited to six per month with no transfer allowed by check, debit card or similar order to third parties.
ATM Access Yes
Sign Up
Certificates of Deposit
Minimum Opening Deposit $1,000.00
Interest Paid Varies
Account Requirement  
Fee None
Check Writing Fee None
ATM Access

None

 

Electronic Services

Town Center Bank knows your life is full. Streamline banking and bill paying with our state-of-the-art electronic services.

We combine unmatched online/mobile banking, remote and xpress deposit and bill payment with personal community bank service, so you get the very best of both worlds. No matter where, no matter when, you can take care of your finances.

Free Online Banking/ Bill Payment

Access www.towncenterbank.com from your laptop, tablet, smartphone or computer anytime, day or night. Pay bills anytime, anywhere with no checks, no stamps and no hassles. Service available through online and mobile banking.

  • Check Balances checking, savings, money market accounts, certificates of deposit and any loans
  • View Account Activity deposits, withdrawals, checks and payments cleared, interest credited
  • Transfer Funds between checking and savings
  • Schedule Automatic Payments
  • Unique Payments enter a new amount and payment date whenever you need
  • Recurring Payments automatically pays your recurring, fixed amount payments
  • Custom Reports

Free Mobile Banking

  • Check Balances checking, savings, money market accounts, certificates of deposit and any loans
  • View Account Activity deposits, withdrawals, checks and payments cleared, interest credited
  • Transfer Funds between checking and savings
  • Set Up Alerts when your balance reaches a preset amount, or when a specific check or payment clears
  • Remote/Xpress Deposit deposit checks electronically from your office, smartphone or home scanner
  • Free deposit checks electronically from your office, smartphone or home scanner
  • Same Business Day Credit/Next Day Availability when you deposit by 4 pm, CST with express, 5 pm, CST with remote.

Make your banking more convenient with Town Center Bank’s electronic services. You can get started by visiting either community location or contacting us at 815-806-7001 or 815-463-7002.