Personal Deposit Products

We Offer a Variety of Personal Deposit Products to Help You Make the Most of Your Banking Experience

Bank accounts are convenient and secure places to keep your money safe and allow you to withdraw funds when needed. There are various types of bank accounts that each serve a different purpose, such as saving for emergencies or for specific goals, earning interest or accessing money to pay bills.

The money you deposit in bank accounts is insured by the U.S. government for up to $250,000 per depositor, per account category, per bank, through the Federal Deposit Insurance Corporation (FDIC).

PERSONAL CHECKING OPTIONS (EFFECTIVE JANUARY 1, 2026)

ACCOUNT FEATURES

ESSENTIAL CHECKING

ELEVATED CHECKING

Minimum Opening Deposit

$50

$500

Balance Requirement Fee / Monthly Service Fee

$15

Ways to Avoid the Monthly Service Fee

You can avoid the $5 monthly service fee with one of the following during each statement cycle:

• Maintain a minimum daily balance of $100 or more; or
• Receive a qualifying1 monthly direct deposit of $500 or more to the account

You can avoid the $15 monthly service fee with one of the following during each statement cycle:

• Maintain a minimum daily balance of $2,500 or more; or
• Receive a qualifying (*1) monthly direct deposit of $1,500 or more to the account

Interest Bearing

Additional Features and/or Account Limitations

• Free e-Statements
• Check images included with the monthly statement

• Free e-Statements
• Three (3) free cashier’s checks per month
• One (1) free foreign currency order or exchange per year
• Check images included with the monthly statement
• First initial box of bank image checks is free upon account opening

PERSONAL SAVINGS OPTIONS (EFFECTIVE JANUARY 1, 2026)

ACCOUNT FEATURES

ESSENTIAL SAVINGS

YOUTH SAVINGS

CERTIFICATES OF DEPOSIT

Minimum Opening Deposit

$100

$1,000

Balance Requirement Fee / Monthly Service Fee

None

Ways to Avoid the Monthly Service Fee

Not Applicable

Minimum Daily Balance to Accrue Interest

Interest is paid at a variable rate on any balance of $0.01 or greater. Rates are subject to change at any time. Please contact a Banker for rate listing.

Interest is paid at a fixed rate on any balance of $10,000 or greater. The rate is fixed for the term of the certificate of deposit.

Interest Bearing

Yes

Account Limitations

ATM/Debit cards are not permitted for use with savings accounts.

Must be 17 years of age or under to open.

Early Withdrawal penalties may apply (10-calendar-day grace period). Please refer to the Deposit Account Agreement for details.

PERSONAL SAVINGS OPTIONS (EFFECTIVE JANUARY 1, 2026)

ACCOUNT FEATURES

PERSONAL MONEY MARKET

Minimum Opening Deposit

$2,500

Balance Requirement Fee / Monthly Service Fee

$20

Ways to Avoid the Monthly Service Fee

You can avoid the $20 monthly service fee by maintaining a minimum daily balance of $2,500.

Minimum Daily Balance to Accrue Interest

Interest is paid at a variable rate on any balance of $2,500 or greater. Rates are subject to change at any time. Please contact a Banker for rate listing.

Interest Bearing

Yes

Account Limitations

ATM/Debit cards are not permitted for use with money market accounts.

PERSONAL SERVICES (EFFECTIVE JANUARY 1, 2026)

ONLINE BANKING

www.iconbusinessbank.com

MOBILE BANKING

DEBIT CARD

Account Balance & Activity History

ATM Cash Withdrawal Daily Limit

$500

Bill Payment

Point-of-Sale Daily Limit

$1,500

Stop Payments

Mobile Deposits

MoneyPass Network ATM; Surcharge-Free at 32,000 Network ATM Locations.

Visit www.moneypass.com for Specific Locations.

Transfer Funds

View and Print Check Images

Apple Pay ®

View and Print Statements

Google Pay ®

Zelle ®

(*1) A Qualifying Direct Deposit is your regular income, like your paycheck, pension, or government benefits, sent electronically by your employer or payer. Transfers or deposits made by you (at a branch, ATM, or online) don’t qualify.
(*2) See the Deposit Account Agreement for additional information regarding interest compounding and frequency.

Please refer to the Deposit Account Agreement and Disclosures for other important terms and conditions.

All fees and charges are effective as of January 1, 2026, and are subject to change. If you have questions, please call us at 888.383.1954.

For current rates and APY, or for additional information, contact our Client Services Team.