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Premier Rate Savings Account

The Premier Rate Savings Account has all the features of the First Rate Savings Account, plus it pays a bonus interest rate. It is available to all personal banking customers who also maintain an active checking account with a direct deposit at American Enterprise Bank. This account provides a competitive interest rate and convenience with a low minimum opening deposit of $100.

Account Features

  • Bonus interest rate
  • First month maintenance fee waived
  • Free personalized deposit and withdrawal slips
  • Free teller transactions (drive-up and lobby)
  • Detailed quarterly statements (monthly with EFT activity)
  • Deposit any amount at any time
  • Up to six covered transfers and withdrawals each month*
  • Free direct deposit
  • Your Premiere Rate Savings Account can be linked to an AEB checking account to provide sweep overdraft protection*
  • Free automatic transfers between your AEB accounts*
  • Access to your accounts, balances and transfers through AEB Bankline, our 24/7 telephone banking system
  • Free Internet banking
  • ATM Card issued at no charge
  • Free use of AEB's ATMs
  • Free use of NYCE® Network ATMs
  • Free use of non-AEB/non-NYCE® Network ATMs (other ATM owners may charge you a fee)
  • Variable rates of interest paid at the Bank's current rate
  • All balances earn interest
  • Interest is compounded and paid quarterly
  • Night depository
  • FDIC insurance

Balance Requirements

  • Minimum deposit to open account: $100
  • $100 minimum daily balance must be maintained to avoid a monthly maintenance fee (waived for minor accounts)

Fees

  • $4 monthly maintenance fee if the account balance falls below the minimum
  • Excess transaction limits apply. A fee of $15 per Federal Reserve "Reg. D" violation will be charged*

Please note accounts closed prior to the end of the quarter will forfeit accrued interest.

 

*There are limitations required by federal law in the number and type of withdrawals that can be made during a monthly statement period. Withdrawals or transfers by mail, in person at one of our offices, and through an ATM are unlimited and are not subject to the “Reg. D” 6-transfer withdrawal limitation. Transfers/withdrawals in excess of the 6-transfer/withdrawal limitations may be subject to a service charge.

For customers who continue to violate these limits after they have been contacted by the depository institution, the Regulation requires that either the account be closed or that the funds be transferred to a transaction account that the depositor is eligible to maintain.

For more information contact your local AEB branch, or click here to contact us via email.

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