• Personal Banking Checking Personal Checking
  • Personal Banking Savings Accounts Personal Savings
  • Personal Baning Certified and IRA's Certificates of Deposit and IRAs
Certified Banking

Personal Checking

Our personal checking accounts offer:

  • Free online banking with convenient online enrollment
  • Free Bill Pay Services
  • Free MasterCard Cash or MasterCard Cash & Debit Cards
  • Free sweep transfers between accounts at 21st Century Bank (transaction restrictions may apply)

 


21st Enhanced Checking

Make your money work for you with unlimited check writing, a competitive interest rate and low minimum balance.


21st Essential Checking

Simplify with the convenience of no minimum balance and unlimited check writing privileges.

Re-order Checks
21st Enhanced Checking Details
  • $500.00 minimum balance to earn interest
  • $100.00 opening deposit
  • $500.00 minimum balance or $5,000.00 combined balance of all deposit accounts ($12.00 monthly service fee if the minimum daily ledger balance or minimum combined average daily ledger balance is not maintained for the monthly statement cycle)
  • Tiered interest rates
  • Interest compounded daily and paid monthly
  • For current rate information, please contact an office near you
  • Free monthly E-Statement with check images ($5.00 per month for paper statement; $2.50 for paper statements for customers 65 and over)
21st Essential Checking Details
  • No minimum balance required with unlimited check writing privileges.
  • $100.00 opening deposit
  • Free monthly E-Statement with check images ($5.00 per month for paper statement; $2.50 per month for paper statement for customers 65 and over)
Certified Banking

Personal Savings

Our personal savings accounts offer:

  • Free online banking with convenient online enrollment
  • Free Bill Pay Services
  • Free MasterCard Cash or MasterCard Cash & Debit Cards
  • Free sweep transfers between accounts at 21st Century Bank (transaction restrictions may apply)

 


21st Enhanced Savings

Making saving easy with a competitive interest rate.


21st Essential Savings

Starting low, aim high with a low minimum balance savings account.


21st Money Market

Taking your savings to the next level with higher interest rates.

Re-order Checks
21st Enhanced Savings Details
  • $200.00 minimum ledger balance to earn interest
  • $200.00 opening deposit
  • No quarterly service fee with a $200.00 minimum balance ($9.00 service fee per quarter if minimum balance is not maintained any day of the quarter)
  • Nine free debits (withdrawal, automatic transfer, or payment)  per quarter, with no more than six per month ($0.50 per debit fee thereafter)*
  • Interest compounded daily and paid quarterly
  • Free quarterly e-statement ($5.00 per quarter for paper statement; $2.50 per quarter for paper statement for age 65 and over)
  • Minimum balance service fee waived for minors until the age of 18
  • For current rate information, please contact an office near you

 

*Federal regulation restricts the number of telephone transfers, online banking transfers, checks, debit card transactions and preauthorized transfers on all savings accounts and money market accounts to six (6) per month, but unlimited transfers and/or withdrawals are allowed if done in person, by mail, at an ATM or for loan payments at our bank.

21st Essential Savings Details
  • $50.00 minimum ledger balance to earn interest
  • $50.00 opening deposit
  • No quarterly service fee with a $50.00 minimum balance ($9.00 service fee per quarter if minimum balance is not maintained any day of the quarter)
  • Nine free debits (withdrawal, automatic transfer, or payment) per quarter, with no more than six per month ($0.50 per debit fee thereafter)*
  • Interest compounded daily and paid quarterly
  • Free quarterly e-statement ($5.00 per quarter for paper statements; $2.50 per quarter for paper statement for age 65 and over)

 

*Federal regulation restricts the number of telephone transfers, online banking transfers, checks, debit card transactions and preauthorized transfers on all savings accounts and money market accounts to six (6) per month, but unlimited transfers and/or withdrawals are allowed if done in person, by mail, at an ATM or for loan payments at our bank.

21st Money Market Details
  • $2,500.00 minimum ledger balance to earn interest
  • $2,500.00 opening deposit
  • No monthly service fee with a $2,500.00 minimum balance ($13.00 monthly service fee if balance is not maintained any day of the month)
  • Tiered interest rates
  • Interest compounded daily and paid monthly
  • Three debits/checks per month, plus three transfers per month ($0.35 per debit fee thereafter)*
  • Free monthly e-statement with check images ($5.00 per month for paper statement; $2.50 per month for paper statement for age 65 and over)
  • For current rate information, please contact an office near you

 

*Federal regulation restricts the number of telephone transfers, online banking transfers, checks, debit card transactions and preauthorized transfers on all savings accounts and money market accounts to six (6) per month, but unlimited transfers and/or withdrawals are allowed if done in person, by mail, at an ATM or for loan payments at our bank.

Certified Banking

Certificates of Deposit and IRAs

Long-term savings goals require planning which is why we offer Certificates of Deposit and IRA Certificates of Deposit offering the benefit of a fixed rate for a term you choose.

  • Terms range from 91 days to 60 months
  • Minimum opening deposit of $1,000.00
  • Competitive interest rates
  • FDIC insured
  • For current rates, please call an office near you
  • Early withdrawal penalties may apply

Your Loan Products

  • Personal Banking Property Loans Home Equity Line of Credit
  • Personal Bankin Overdraft Protection Overdraft Protection
  • Personal Banking Auto Loans Personal Loans
Auto Loans

Home Equity Line of Credit

Your home, your equity, your dream.

  • Competitive rates

 

Home Equity Line of Credit Details
  • Variable interest rate, for current interest rates, please call the office closest to you
  • Maximum loan term of 3 years
  • Minimum loan amount of $10,000.00
Auto Loans

Overdraft Protection

Peace of mind from life’s little errors.

  • Quick and easy approval process
  • Competitive interest rate
Overdraft Protection Details
  • Minimum loan amount $100.00
  • Unsecured
  • Fixed interest rate
Auto Loans

Personal Loans

21st offers a variety of personal loans all tailored to meet your specific needs.

  • New and Used Vehicles
  • Boats
  • Personal Watercrafts
  • RVs
  • Motorcycles, 4 Wheelers, Snowmobiles
Personal Loan Details
  • Fixed interest rate, for current rates, please call the office closest to you
  • Flexible terms
  • Minimum loan amount $2,500.00