Three accounts. Most people should open the first one.
| Everyday CheckingOur standard account | Premier CheckingInterest bearing, relationship priced | Calder AccessCheckless, no overdraft | |
|---|---|---|---|
| Minimum to open | $50.00 | $100.00 | $25.00 |
| Monthly maintenance fee | None | $22.00, waived in any month you keep $7,500 in combined deposit and consumer loan balances, or receive $2,000 or more in direct deposits, or hold a Calder mortgage serviced by us1 | $5.95, not waivable |
| Minimum daily balance to avoid a fee | Not applicable | See above | Not applicable |
| Interest | Non-interest bearing | 0.15% APY on balances of $2,500.00 and above; 0.05% APY below that2 | Non-interest bearing |
| Minimum balance to earn the stated APY | N/A | $2,500.00 | N/A |
| Paper checks | Yes. First order of 40 standard checks free at account opening. | Yes. One free box of standard or select-style checks each calendar year. | No. This account does not have check writing. Payments are made by debit card, Online Banking bill pay, transfer or official check. |
| Overdraft | Overdraft privilege available after 30 days and a pattern of deposits, at our discretion. You may opt in or out of debit card and ATM overdraft coverage at any time. | Same, and the overdraft fee is refunded once per calendar year on request3 | Items that overdraw the account are declined or returned. There is no overdraft privilege on this account and no overdraft fee, which is the point of it. |
| Non-Calder ATM fees | Four transactions per statement cycle at no charge, then $2.50 each | Unlimited, and we refund up to $20.00 per cycle in fees charged by the machine’s owner | $2.50 each |
| Paper statement fee | $3.00 per cycle unless enrolled in paperless statements4 | None | $3.00 per cycle unless enrolled in paperless statements |
| Cashier’s checks | $10.00 | No charge | $10.00 |
| Wire transfers | See the fee schedule below | Two incoming domestic wires per month at no charge | Incoming only |
| Safe deposit box | Standard rates | $25.00 annual credit toward a box at the office where the account is held, where a box is available | Standard rates |
| Also included | Online and mobile banking, bill pay, mobile check deposit, debit card, Zelle5 | Everything in Everyday Checking, plus a dedicated service line at (423) 555-0169 and a rate discount of 0.25 percentage points on a consumer installment loan closed while the account is open | Online and mobile banking, bill pay, mobile check deposit, debit card. Zelle is available after six months. |
Calder Access is designed for clients who have had difficulty keeping an account elsewhere and for clients who simply do not want an account that can go negative. We do not run a consumer account screening report as a condition of opening it.
Free Checking was replaced by Everyday Checking for new accounts on May 1, 2016. Existing Free Checking accounts continue under their original terms and are not being converted. The two accounts differ in that Free Checking does not include the ATM fee refunds and does not have mobile check deposit limits above $2,500 per day.
Golden Checking, for clients 62 and older, closed to new accounts on October 1, 2019. Accounts opened before that date keep the free official checks, the free box of checks and the fee waivers described in the disclosure delivered at opening. Clients who would have qualified for Golden Checking now open Everyday Checking, which does not charge the paper statement fee to a client 62 or older.
Coosa Federal Savings NOW accounts acquired in 2016 and Highland Ridge Value Checking acquired in 2021 were converted to Everyday Checking during the core platform work completed in April 2026. Clients affected received a change in terms notice at least 30 days before the conversion.
Effective April 1, 2026. Supersedes the schedule dated October 1, 2025. This schedule applies to consumer checking, savings and money market accounts. Business accounts are priced under the commercial account analysis schedule.
| Service | Fee |
|---|---|
| Account activity | |
| Overdraft fee, per item paidNo more than four per business day. Not charged on an item of $10.00 or less, or when the account is overdrawn by $10.00 or less at the end of the business day. | $35.00 |
| Returned item fee, per item returned unpaid | $35.00 |
| Continuous overdraft fee, per calendar dayBegins on the fifth consecutive business day the account remains overdrawn and is charged for a maximum of 12 days. | $6.00 |
| Overdraft transfer from a linked deposit accountPer transfer day, not per item. | $10.00 |
| Overdraft line of credit advanceInterest accrues on the advanced balance. See the credit agreement. | $0.00 |
| Return deposited item | $12.00 |
| Stop payment, placed in an office or by telephone | $32.00 |
| Stop payment, placed through Online Banking | $30.00 |
| Stop payment on a range of consecutive check numbersUp to 25 consecutive numbers, six months. | $45.00 |
| Payments | |
| Incoming domestic wire | $15.00 |
| Outgoing domestic wire, placed in an office | $30.00 |
| Outgoing domestic wire, placed through Online Banking | $25.00 |
| Incoming international wire | $18.00 |
| Outgoing international wireCorrespondent and intermediary bank charges are in addition and are deducted from the payment amount by the institutions that impose them. We do not receive those charges and cannot quote them in advance. | $55.00 |
| Wire recall, amendment or trace requestCharged whether or not the funds are recovered. | $40.00 |
| Cashier’s checkNo charge on Premier Checking and on accounts held by a client 62 or older. | $10.00 |
| Money order, $1,000 maximum | $3.00 |
| Official check research or copy | $15.00 |
| Cards and ATM | |
| Non-Calder ATM withdrawal or balance inquiryCharged after the fourth non-Calder ATM transaction in a statement cycle on Everyday Checking. The owner of the machine may charge its own fee in addition, which we do not set and do not receive. | $2.50 |
| Debit card replacement | $7.50 |
| Debit card replacement, expedited deliveryOrdered before 2:00 p.m. Eastern for delivery in two business days. Not available to a post office box. | $35.00 |
| International transaction, per transactionAssessed on the U.S. dollar amount of a transaction made in a foreign currency or processed outside the United States. | 1.00% |
| Statements, research and documents | |
| Paper statement, per statement cycleNot charged on accounts enrolled in paperless statements, on Premier Checking, or on any account whose primary owner is 62 or older. Accounts opened before March 1, 2023 are not charged this fee regardless of enrollment. | $3.00 |
| Copy of a statement | $5.00 |
| Copy of a statement requested through Online BankingThe 18 most recent months are available at no charge in Online Banking. | $3.00 |
| Check or deposit ticket image copy, each | $2.00 |
| Account research, per hourOne hour minimum, billed in quarter hour increments after the first hour. | $30.00 |
| Account balance verification or deposit verification letter | $25.00 |
| Levy, garnishment or other legal process, per order | $100.00 |
| Other services | |
| Dormant account, per monthCharged beginning in the 25th month with no client-initiated activity on a checking or savings account with a balance under $500.00. Not charged on an account of a client under 18 or 62 or older, on an IRA, or on a certificate of deposit. Property presumed abandoned is reported and delivered under the unclaimed property law of the owner’s state of residence. | $6.00 |
| Account closed within 90 days of opening | $25.00 |
| Check cashed for a person who does not hold a deposit account with usItem must be drawn on this bank. Identification is required and we may decline to cash an item. | $8.00 |
| Coin counting for a person who does not hold a deposit account with usOf the counted amount. There is no charge for clients. | 3.00% |
| Night depository bag, each | $14.00 |
| Notary serviceFor clients. Documents requiring a witness cannot always be accommodated at every office. | No charge |
| Safe deposit box drillingPlus the cost of replacing the lock. Charged when a key is lost or a box is entered for non-payment. | $225.00 |
| Safe deposit box late payment | $12.00 |
| Box size (inches) | Annual rent |
|---|---|
| 3 x 5 | $45.00 |
| 3 x 10 | $78.00 |
| 5 x 5 | $65.00 |
| 5 x 10 | $120.00 |
| 10 x 10 | $190.00 |
Boxes are not available at every office and the sizes offered vary by vault. Rent is billed annually in advance and may be paid by automatic debit from a Calder deposit account, which is the only way we can offer the $5.00 annual discount. Contents of a box are not insured by us and are not insured by the Federal Deposit Insurance Corporation.
An overdraft occurs when you do not have enough money in your account to cover a transaction, but we pay it anyway. We can cover your overdrafts in two different ways: through the standard overdraft practice that comes with your account, and through an overdraft line of credit or a transfer from another Calder account that you apply for.
We do authorize and pay overdrafts for the following types of transactions: checks and other transactions made using your account number, and automatic bill payments.
We do not authorize and pay overdrafts for ATM transactions or everyday debit card transactions unless you ask us to. You must tell us that you want us to authorize and pay overdrafts on your ATM and everyday debit card transactions. If you do not, those transactions will be declined when you do not have enough money in your account, and you will not be charged an overdraft fee on them.
We pay overdrafts at our discretion, which means we do not guarantee that we will always authorize and pay any type of transaction. If we do not authorize and pay an overdraft, your transaction will be declined or returned unpaid.
The overdraft fee is $35.00 per item. We will not charge more than four overdraft fees per business day. We do not charge an overdraft fee on an item of $10.00 or less, and we do not charge one when the account is overdrawn by $10.00 or less at the end of the business day. There is no limit on the total fees we can charge you for overdrawing your account other than the daily limit stated here.
We post transactions in the following order each business day: deposits and credits first, then withdrawals made in person or at an ATM in the order they occurred, then debit card transactions that we have authorized in the order they were authorized, then checks and automatic payments in check number order and then in ascending dollar amount. Posting order affects whether an item overdraws the account.
You may add or remove ATM and everyday debit card overdraft coverage at any time by calling (423) 555-0169, by visiting any office, or through the Preferences page in Online Banking. A change made after 6:00 p.m. Eastern takes effect the following business day.
Rate information. The interest rate on your account is 0.1499% with an annual percentage yield of 0.15% for balances of $2,500.00 and above. For balances below $2,500.00 the interest rate is 0.0499% with an annual percentage yield of 0.05%. Your interest rate and annual percentage yield may change. At our discretion we may change the interest rate on your account at any time. Interest rates in effect as of 08/01/2026.
Compounding and crediting frequency. Interest will be compounded monthly and will be credited to your account monthly on the last business day of the statement cycle. If you close your account before interest is credited, you will not receive the accrued interest.
Minimum balance requirements. The minimum balance required to open this account is $100.00. You must maintain a minimum balance of $2,500.00 in the account each day to obtain the disclosed annual percentage yield of 0.15%. A monthly maintenance fee of $22.00 will be imposed every statement cycle unless one of the relationship conditions described on this page is met during the cycle.
Balance computation method. We use the daily balance method to calculate the interest on your account. This method applies a daily periodic rate to the principal in the account each day.
Accrual of interest on noncash deposits. Interest begins to accrue no later than the business day we receive credit for the deposit of noncash items, for example checks.
Transaction limitations. No transaction limitations apply to this account other than those described in the deposit agreement and any limit we place on a specific service, for example the daily debit card limits.
Fees. See the consumer fee schedule above. Fees may reduce the earnings on the account.
Ten minutes online, or sit down with a personal banker at any office. Bring identification either way.