• $25,000 minimum to open account
• Each Individual is limited to $100,000 in any one or combination of Online Certificate Accounts
• A 5-Day Extended Hold will be placed on funds deposited in new accounts of this type.
• Ownership available: Individual or Joint ownership (beneficiaries allowed). No Trust or business ownership available at this time.
• If your account does not fund within 30 days of the application date, your account will receive the current posted interest rate for the term selected on the original application.
• Online applications will expire 45 days from the date of the application if the account has not completed all steps, including funding of the account.
• Interest will be credited to the account, however, no interest will be disbursed by check (or any other method) during the term of the account.
• Online CD accounts have a grace period of 7 business days. If you cash out your certificate at maturity, the transaction must take place during the grace period and will be disbursed to an account of your choosing, which must be identified and confirmed in advance, using your online banking credentials.
• Statements and notices will be delivered electronically. No paper statements will be generated.
• All activity for accounts opened online is intended to be managed via the Online Banking system (e.g. Opening, inquiries, and closing). Activity conducted in-branch on this account type is not allowed without an additional $10 fee per transaction.

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