9701 Wilshire Blvd., Beverly Hills CA 90212 888.392.5265
HomePersonal Solutions
Online Banking
Find Answers
Comparison
| Excel 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 collected balance of $1,500 |
1. Maintaining a minimum daily balance of $2,500 or 2. An average collected balance of $3,000 |
| Account features |
|
|
| 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 month. | May have up to six pre-authorized debits (ACH, Wires, Online Transfers) each 4 week or similar period. | 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 Excel Online Banking Service with Excel Bill Pay | N/A | N/A | |
| Open an Account today | Open an Account today | Open an Account today | Open an Account today |
