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First Minnetonka City Bank Checking & Savings Accounts
To meet the needs of all members of our community, First Minnetonka offers a variety of checking accounts, each providing unique services.
Call your personal bankers or come in today for more information or to open an account.
| Ultimate Relationship Checking |
Ultimate Interest Checking | Ultimate Free Checking | Ultimate Gold Checking* | |
|---|---|---|---|---|
| Minimum Balance to avoid monthly maintenance fee | $10,000
or multiple accounts with aggregate total of $10,000 to avoid $15 fee |
$500 to avoid $5 fee |
None Required ($1 to avoid account closure) |
None Required ($1 to avoid account closure) |
| Other Fees** | None | $.20 per check if balance falls below $500 |
None | None |
| Interest Tiers | ||||
| Copies of Checks | ||||
| Overdraft line of credit*** | ||||
| VISA® Debit Card with CardValet |
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| Annual discount on any size Safe Deposit Box**** | ||||
| Online Banking | ||||
| Online Bill Pay | ||||
| Mobile Banking Mobile Deposit Mobile Bill Pay |
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| eAlerts | ||||
| eStatements | ||||
| FREE Investment Planning Appointment |
* Ultimate Gold Checking available for customers age 60 and over
** May be subject to additional fees for Overdrafts (Overdraft Fee) or items returned for Non-sufficient Funds (NSF Returned Item Fee)
*** Subject to credit approval
**** Requires AutoDebit; sizes subject to availability
Contact a Personal Banker for a current rate sheet and additional terms and conditions. Interest rates are subject to change. A $25 minimum deposit is required to open all checking accounts. See Truth in Savings Disclosure for details.
Let your money work for you with a First Minnetonka City Bank Savings Account
When placed in a First Minnetonka saving account, your money will work for you. We offer you the following savings accounts to make savings simple and convenient.
| Legacy Money Market Savings Account | Money Market Savings Account | Thrift Savings Account | Health Savings Account (HSA)* | |
| Minimum Balance to Avoid Monthly Maintenance Fee | $100,000 to avoid $75 fee |
$1,000 to avoid $10 fee |
$50 to avoid $2 fee |
None (flat $3 monthly maintenance fee) |
| Interest Tiers | ||||
| Frequency for Compounding Interest | Monthly | Monthly | Quarterly | Monthly |
| Limit 6 transfers per month | ||||
| VISA® Debit Card with CardValet |
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| Online Banking | ||||
| Mobile Banking Mobile Deposit |
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| eAlerts | ||||
| eStatements | ||||
| Free Investment Planning Appointment |
* Requires an eligible individual with a High Deductible Health Plan
A $50 minimum deposit is required to open Money Market or Thrift Savings Accounts. Check out our great rates for current rates and additional terms and conditions. Interest rates are subject to change. See Truth in Savings Disclosure for details.
Health Savings Accounts (HSA)
A Health Savings Account is a trust or custodial account established for the purpose of paying or reimbursing qualified medical expenses for you, your spouse, and your dependents. Contributions to the HSA are tax deductible, the earnings grow tax deferred, and distributions for qualified medical expenses are tax free.
Rules Apply.
Coverdell ESAs
A Coverdell Education Savings Account is an account created for the purpose of paying for a child’s future education. The account allows after-tax contributions of $2000 per year for each child until they reach the age of 18. These contributions and their subsequent earnings are tax-free when withdrawn to pay for qualified education expenses.
Eligibility rules apply.
Certificates of Deposit (CDs)
Save money the safe way or earn extra on the money you’re saving for a purchase by investing in a CD. First Minnetonka’s CDs earn fixed interest rates. Most CDs require a $1,000 minimum investment.
Check our great rates for current rates and additional terms and conditions. Interest rates are subject to change.