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Personal Financial Products & Services

Personal Checking Accounts

Saving for a sunny day? Interested in checking with benefits? An account for you and your business? We’ve got an account to fit your needs.
  Freedom Checking Eagle Checking Interest Checking Interest-Plus Checking
Minimum Opening Deposit $100.00 $100.00 $100.00 $100.00
Monthly Service Charge $2.001 $8.002, 3 $8.005 $0.00
Online Banking
Debit Card*
"Image" Single Checks First Order $6.15 (postage) $6.15 (postage one order per calendar year)   $6.15 (postage one order per calendar year)
Earns Interest     4 4
View more details about Skagit Bank personal checking accounts.

Personal Savings Accounts

  Savings Christmas Club Savings Health Savings Account Money Market Individual Retirement Accounts Time Certificates of Deposit
Minimum Opening Deposit $100.00 $25.0011 $100.00 $100.00 $100.00 Varies
Monthly Service Charge $3.006   $2.505 $10.005    
Excessive Withdrawal Charge $1.007 $1.007   $1.009    
Account Closing Fee $10.008 $5.0010        
Tiered Rates    
Terms         6 to 30 months 7 days to 120 months
Earns Interest 4 4 4 4 4 4
View more details about Skagit Bank personal savings accounts.

Account Terms & Conditions

* Upon qualification.

1. Waived if you elect to not have check images included in your periodic statement.
2. A portion of this monthly service charge is for monthly premiums for Accidental Death and Dismemberment Insurance.
3. The insurance offered is not a deposit, not FDIC insured, not an obligation of or guaranteed by Skagit Bank or an affiliate and is not insured by any agency of the U.S.
4. For more information on current interest rates and annual percentage yields, please see our current Interest Rate Information Sheet.
5. Waived if a minimum daily balance of $1,500.00 is maintained during the monthly statement period.
6. Waived if a minimum daily balance of $250.00 is maintained per calendar month. Waived for account holders under 18 years of age.
7. For each debit in excess of six (6) per calendar month. A maximum of six (6) telephone, preauthorized or electronic transfers can be made from the account each calendar month.
8. If account is closed within ninety (90) days of opening.
9. For each debit in excess of six (6) per statement month. A maximum of six (6) checks, preauthorized, electronic, or telephone transfers are allowed per monthly statement period.
10. A grace period of 30 days after annual disbursement (until December 1st) will be allowed for closure without fee.
11. An Automatic Transfer Authorization must be set up at account opening. Automatic transfer may be from a designated Skagit Bank account or ACH transfer from an account at another financial institution. Once set up, Christmas Club Savings accounts will not require renewal each year and continue without interruption until revoked by you.

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