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Like SmartMoney, our new combination checking AND savings account that helps you simply and painlessly save for things on your wish list. Automatically. You don't have to remember to set aside money every month, or deal with the hassle of making another deposit. You set it all up when you create the account and then sit back and watch as your savings grows at 6.00% APY*. Out of sight, out of mind. And it doesn't tie your money up long-term. It's a no brainer. See it in action».
Your Savings in 12 Months
|
Monthly deposit |
Approximate annual savings with accrued interest |
|
$100 |
$1,239.00** |
|
$300 |
$3,717.00** |
|
$500 |
$6,195.00** |
**Assumptions: Initial deposit on 01/01/08 with same deposit amount continuing monthly on the 1st of each month at 6.00% APY*, your total savings with accrued interest after 12 months on a payout date of
01/01/2009
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SmartMoney gives you a powerful 1-2 combination:
two accounts working for you at once.
Checking the way you want it--a variety of accounts to fit your budget and lifestyle.
Free Checking - Best Value
Simple, convenient, worry-free checking.
- No minimum balance
- No monthly service charge
- Unlimited check writing
- FREE checks
- FREE ATM or Check Card (upon approval)
- MasterCard SecureCode
- $100 minimum deposit
Preferred Checking - Best Rewards
This account earns interest and comes with loads of extras.
- Competitive, tiered interest
- No monthly service charge when you maintain $1,000 minimum balance
- Free online banking with bill pay
- Free checks
- Higher limits on ATM and debit card usage (upon approval)
- Two free stop-payments annually
- Free cashier's checks (two per day)
- Free traveler's checks (for one)
What's on your wish list? A debt-free holiday? A well-deserved vacation? A home improvement? Whatever you're wishing for in the next 12 months, having the money to pay for it needn't be wishful thinking. With this savings plan you get a great rate and it doesn't tie up your money long-term. By having funds automatically transferred from your checking to your savings each month for 12 months, it's a painless way to save.
You simply:
- Decide the amount you want to save up to $500 a month and $6,000 a year.
- Decide how often you'd like to contribute: weekly, bi-monthly or monthly.
- The amount is automatic transferred from your checking account into your savings account.
- You pick a cash-out date and we'll transfer your entire savings balance back to your checking account. Or, we can help you set up a longer-term savings program for bigger purchases.
Whether you want to save for a beach vacation next winter, a plasma TV to watch the big games, or the ultimate bathroom remodel a SmartMoney account is just plain smart and makes other mere checking accounts pale by comparison.
So...simplify your life. Manage your money. Save for your wish list. And enjoy the rewards.
It's a simple, smart, worry-free way to save throughout the year. The sooner you start, the sooner you can make your wishes come true!
*APY stands for Annual Percentage Yield and is subject to change annually on the first business day following your one free withdrawal that is transferred back to your checking account. All other withdrawals are $5 each. Fees could reduce earnings. Deposits limited to $500 per month, ($6,000 maximum per year) with automatic transfers from other First Western accounts only. Interest is accrued daily and paid annually. $25 minimum deposit to open. Account automatically renews following your annual withdrawal, unless closed by account holder. Limited to 2 wish list savings accounts per household. Rate effective as of 5/9/2008. Member FDIC.
[1]Services/products provided by our First Western Financial division are not FDIC insured and may lose value. No bank guarantee. Not a deposit. Not insured by any federal government agency. For details, click here.
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