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| EH Personal Checking | NOW Personal Checking | |
|---|---|---|
| Best For: | Clients who want a basic checking account for day to day activity | Clients who want a checking account with interest and are able to maintain a higher balance |
| Minimum opening deposit | $ 1,000 | $ 2,000 |
| Earns Interest | No | Yes, click on current rates link below this chart. |
| Monthly Service Fees | $15 / month First 150 checks or other debits per month no charge each check over 150 is $.30 per item. First 100 deposited items deposited per month no charge each item deposited over 100 is $.10 |
$15 / month First 150 checks or other debits per month no charge each check over 150 is $.30 per item. First 100 deposited items deposited per month no charge each item deposited over 100 is $.10 |
| Service Fee Waived by | 1. Maintaining a minimum daily balance of $1,000 or 2. An average daily balance of $1,500 |
1. Maintaining a minimum daily balance of $2,500 or 2. An average daily balance of $3,000 |
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| Open an Account today | Open an Account today | |
| Current Rates | ||
| Premium Personal Money Market | Personal Savings | Personal Certificate Of Deposits | Individual Retirement Accounts | |
|---|---|---|---|---|
| Best For: | Clients who want to earn higher interest rates on higher balances and can limit transactions | Clients who wish to consistently save money for unexpected expenses or special purchases | Clients who wish to earn higher interest on funds that are deposited for fixed 3, 6, 12 or 24 month terms | Clients who wish to invest in either a traditional or Roth retirement plan can deposit for fixed 12, 36 or 60 month terms |
| Minimum opening deposit | $1,000 | $1,000 | $10,000 | $500 |
| Monthly Service Fees | $20 / month | $10 / month | None | None |
| Service Fee Waived by | Maintaining a minimum daily balance of $10,000 | Maintaining a minimum daily balance of $1,000 | N/A | N/A |
| Earns Interest | Yes, See Current Rates | Yes, See Current Rates | Yes, See Current Rates | Yes, See Current Rates |
| How interest is paid | Compounds daily, posted at end of month | Compounds daily, posted at end of month | Compounds daily and credits at maturity unless an interest disbursement instruction has been selected | Compounds daily and credits at least annually and at maturity |
| Access to Funds | May have up to six (6) debits a month including checks per 4 week or similar period, if by preauthorized or automatic transfer, or telephone (including data transmission) agreement, or instruction by check, draft, debit card or similar order (including POS transactions), made by the depositor and payable to third parties. Transfers and withdrawals made in person, by messenger, by mail or at an ATM are unlimited. | Funds available after fixed 3, 6, 12 or 24 month term has expired. Early withdrawal penalty may apply. | Funds available after fixed 12, 36 or 60 month term has expired. Withdrawals are permitted as allowed by law. Early withdrawal penalty may apply. | |
| Account Features | Free EH Online Banking Service with EH Bill Pay | Free EH Online Banking Service | N/A | |
| Open an Account today | Open an Account today | Open an Account today | Call Branch to Open an Account | |
