Personal Banking

Personal Banking: 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)
person writing in their personal banking checkbook
21stcb.com

21st Enhanced Checking

Make your money work for you with unlimited check writing, a competitive interest rate and low minimum balance.
  • $500.00 minimum balance to earn interest
  • $100.00 opening deposit
  • $500.00 minimum balance or $5,000.00 combined balance of all deposit accounts1
  • 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)
  • Customers over 65 will have their paper statement fees waived.

21st Essential Checking

Simplify with the convenience of no minimum balance and unlimited check writing privileges.
  • 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)
  • Customers over 65 will have their paper statement fees waived.

1 ($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)

Personal Banking: 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)
personal banking piggy bank

21st Enhanced Savings

Making saving easy with a competitive interest rate.

  • $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)2
  • Interest compounded daily and paid quarterly
  • Free quarterly e-statement ($5.00 per quarter for paper statement)
  • Customers over 65 will have their paper statement fees waived
  • Minimum balance service fee waived for minors until the age of 18
  • For current rate information, please contact an office near you

21st Essential Savings

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

  • $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)2
  • Interest compounded daily and paid quarterly
  • Free quarterly e-statement ($5.00 per quarter for paper statements)
  • Customers over 65 will have their paper statement fees waived

21st Money Market

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

  • $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)2
  • Free monthly e-statement with check images ($5.00 per month for paper statement)
  • Customers over 65 will have their paper statement fees waived
  • For current rate information, please contact an office near you

2 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.

retired couple taking a selfie

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

For current rates contact us at a location nearest you.

Health Savings Accounts (HSA)

Take control of your spending. Be better prepared for the unexpected. Health Savings Accounts offer tax-deductible contributions, tax-free earnings, and tax-free withdrawals for qualified medical expenses. To get the full benefits of an HSA, the law requires that your Health Savings Account be combined with high-deductible health insurance.

  • Tax Deferred Savings Vehicle
  • Accounts used for Medical Expenses
  • Annual contribution limits
  • Various payment methods
laptop and office supplies with a poster that says health savings account

We invite you to contact us to learn more about our personal banking products and services.

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