Personal Banking

Regular Checking Account

• $100 minimum opening deposit required
• No standard monthly service charges
• Unlimited check writing 
• No minimum balance
• No Talbot State Bank ATM fees. 

Personal NOW Account

• $300 minimum opening deposit required
• Interest bearing checking account
• $1,000 minimum balance to avoid monthly maintenance fee of $5
• No Talbot State Bank ATM fees.
• At our discretion, we may change the interest rate on the account
• We may change the interest rate on the account at any time

Master NOW Account

• $300 minimum opening deposit required
• Interest bearing checking account
• $1,500 minimum balance to obtain APY (annual percentage yield)
• $1,500 minimum balance to avoid monthly maintenance fee of $7
• No Talbot State Bank ATM fees
• At our discretion, we may change the interest rate on the account
• We may change the interest rate on the account at any time

Personal Money Market Account

• $1,000 minimum opening deposit required
• Interest bearing
• $1,000 minimum balance to avoid monthly maintenance fee of $5
• No Talbot State Bank ATM fees
• Transfers from a Personal Money Market account to another personal banking account or to third parties by preauthorized, automatic, or telephone transfer or by check, draft, or similar order to third parties are limited to six per month
• $2 fee for each withdrawal in excess of six per month
• At our discretion, we may change the interest rate on the account
• We may change the interest rate on the account at any time

Master Money Market Account

• $1,000 minimum opening deposit required
• Interest bearing
• $2,500 minimum balance to obtain APY (annual percentage yield)
• $2,500 minimum balance to avoid monthly maintenance fee of $7
• No Talbot State Bank ATM fees
• Transfers from a Master Money Market account to another personal banking account or to third parties by preauthorized, automatic, or telephone transfer or by check, draft, or similar order to third parties are limited to six per month
• $3 for each withdrawal in excess of six per month
• At our discretion, we may change the interest rate on the account
• We may change the interest rate on the account at any time

Master 50 Checking Account

• For our customers that are 50 years of age or older
• $100 minimum opening deposit required
• Interest bearing checking account
• $500 minimum balance to obtain APY (annual percentage yield)
• No Talbot State Bank ATM fees
• Free checks (limited style) 
• Free travelers checks
• Unlimited check writing
• At our discretion, we may change the interest rate on the account
• We may change the interest rate on the account at any time

Passbook Savings Account

• $100 minimum opening deposit required
• Interest bearing 
• $100 minimum balance to avoid monthly maintenance fee of $3
• Transfer from a Passbook Savings account to another personal banking account or to third parties by telephone transfer or check or draft are limited to six per statement month
• $2 for each withdrawal in excess of six per month
• At our discretion, we may change the interest rate on the account
• We may change the interest rate on the account at any time

Master Savings Account

• $1,000 minimum opening deposit required
• Interest bearing
• No standard monthly service charges
• $5,000 minimum balance to maintain APY (annual percentage yield)
• $5,000 minimum balance to avoid monthly maintenance fee of $25
• Transfer from a Master Savings account to another personal banking account or to third parties by telephone transfer or check or draft are limited to six per statement month
• $3 for each withdrawal in excess of six per month
• At our discretion, we may change the interest rate on the account
• We may change the interest rate on the account at any time

Contact a Talbot State Bank representative today for more information about these personal banking accounts.