Click Here for Personal Banking Deposit Account Standard Fees and Charges Schedule

^{1 Only new money(monies not currently held in an Abacus account) is qualified to open the Gold/Diamond Checking.}

^{2 Passbook Savings accounts must be age 62 years old and up at the time account is opened. This restriction does not apply to accounts opened before May 1st, 2022. You may make no more than six (6) automatic or pre-authorized transfers from your savings account(s) per month. If you make more than six (6) transfers per month, the Excessive Activity Fees may apply.}

^{3 The monthly maintenance service fee is waived for the first two statement cycles to allow you to meet your account requirements. After the first two statement cycles, the monthly maintenance service fee is waived if the requirements are met.}

^{4 At the Bank’s discretion and subject to availability, complimentary Safe Deposit Box is only available for box size 2” x 5” or 3” x 5” (“small” size). In lieu of the complimentary box, you may choose instead a 30% discount on a different box size. This benefit is limited to only one box per account relationship, and in the case of multiple account-holders, limited to one box.}

^{5 When you use a Non-Abacus ATM, you may also be charged a surcharge fee by the Institution that owns the terminal or network including balance inquiries. We will waive up to $6 for this surcharge fee.}

^{6 Your mobile carrier's message and data rates may apply.}

^{7 We may charge an International service fee equal to 1% of the amount of the transaction when you use your debit card for any international transaction. An international transaction arises when you purchase goods from a vendor that is located outside of the U.S. or if you use an ATM that is located outside of the U.S. This includes transactions done on the Internet when the vendor is located outside of the U.S. This fee applies regardless of whether the transaction is paid for in U.S. currency. The exchange rate into U.S. currency will be the MasterCard rate in effect on the date of the transaction.}

^{8 Abacus Bank does not charge fee when you use your debit card or ATM card on another ATM that is owned by another Institution. However, you may be also charged a surcharge fee by the Institution that owns the terminal or network including balance inquiries.}

^{9 You must be enrolled in Online Banking and E-Statement for this account. Valid student ID from an accredited school must be presented to open the account. Your account will automatically convert to an Abacus Everyday Checking account (or comparable account) after 4 years, unless you provide us a valid student ID from an accredited school at such time, and so long as you maintain enrollment in such institution. You will be contacted 30 days prior to account conversion regarding the terms and conditions of the account you will be converted to.}

^{10 This account is only offered in tandem with our Secured Credit Card Program. You may not make any transactions in this account. This account may not be closed unless 60 days has passed since the Secured Credit Card account has been paid in full and closed.}

^{11 UTMA/UGMA means Uniform Transfers to Minors Act/Uniform Gift to Minors Act. This account will be subject to the Uniform Transfer/Gifts to Minors Act of the state where the account is opened. All funds deposited in the account irrevocably become the property of the child, and are to be managed for the child’s benefit by the custodian until the child reaches the age of 18 or 21, depending on state law, at which time the custodian is responsible for distributing the funds to the child.}

^{Speak with an Abacus bank representative for more information. This promotion may be changed or terminated at any time without notice.}