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Personal Products
Checking &
Package Accounts
Truly FREE Checking
With TIB’s Truly FREE Checking, you get lots of
somethings for nothing. With no minimum balance
required on the account and unlimited check writing,
this account offers a lot of freebies for those that
want a truly FREE checking account.
- No monthly
account service charge
- No minimum
balance required
- Unlimited check
writing
- FREE TIBLink
Internet banking
- FREE Bill Pay
via TIBLink
- FREE
E-Statements*
- FREE ATM/Debit
Card (no fee when used at TIB & Publix Presto!
locations)
- FREE 24-hour
telephone banking via Communi-Cay
- No direct
deposit requirement
Minimum opening deposit:
$100.00
*Required for this account.
Personal Checking
This account offers loads of convenience at
little or no cost.
- Unlimited check
writing
- FREE TIBLink
Internet banking
- FREE Bill Pay
via TIBLink
- FREE
E-Statements with check images
- FREE ATM/Debit
Card (no fee when used at TIB & Publix Presto!
locations)
- FREE 24-hour
telephone banking via Communi-Cay
- No account
service charge if the average daily balance of
$500.00 is maintained, if not, a $6.00 account
service charge will be imposed.
Minimum opening deposit:
$100.00
NOW Checking
This account is designed for our customers who
prefer to maintain higher balances. Not only can
account service charges be avoided, but TIB pays you
interest on those funds based on the ending daily
collected balance. The higher your balance, the
greater your reward when you invest your money in a
NOW Checking Account.
- Unlimited check
writing
- FREE TIBLink
Internet banking
- FREE Bill Pay
via TIBLink
- FREE
E-Statements with check images
- FREE ATM/Debit
Card (no fee when used at TIB & Publix Presto!
locations)
- FREE 24-hour
telephone banking via Communi-Cay
- No account
service charge if the average daily balance of
$1,500.00 is maintained. If the average daily
balance falls below $1,500.00, there will be a
$14.00 account service charge.
The average daily
balance is calculated by adding the principal in the
account for each day of the period and dividing that
figure by the number of days in the period.
Minimum opening deposit: $100.00
Premium Package
All the best features offered on our standard
checking accounts rolled into one package.
- Unlimited check
writing
- Premium interest
rate paid on checking
- FREE TIBLink
Internet banking
- FREE Bill Pay
via TIBLink
- FREE
E-Statements with check images
- A combined
monthly statement
- FREE ATM/Debit
card with increased daily withdrawal limit of
$1,000.00 (no TIB fee when used at any ATM
location*)
- FREE 24-hour
telephone banking via Communi-Cay
- $35.00 annual
fee reduction on any size safe deposit box
- Executive Line
of Credit (if qualified)
- No charge for
distinctive checks (one on a page)
- No charge for
incoming wires
- Penalty waivers
for withdrawals from Certificates of Deposit due
to medical emergencies
- No monthly account
service charge**
Minimum opening
deposit: Combined balance of $5,000.00 in a checking
& savings product (which includes savings, money
market or Certificate of Deposit). IRAs are not
included.
No fee charged for:
- Travelers checks
- Official checks
- Deposit of bond
coupons
- Stop payment
orders
- Notary service
- Copying service
- ATM usage (other
ATM owners may impose usage fee)
* No TIB fee imposed for ATM
usage at any ATM location. Other ATM owners may impose usage
fee.
* *Should the required combined average daily
balance in the product(s) fall below $5,000.00 during the monthly statement
cycle, a $20.00 account service
charge will be assessed against your Premium Checking account. IRAs are not
included.
50 PLUS Plan
This account is designed for customers 50 years
and over. We feel you have earned the right to enjoy
these special benefits.
- No monthly
account service charge
- No minimum
balance required
- Unlimited check
writing
- NOW interest
rate paid on checking
- FREE TIBLink
Internet banking
- FREE Bill Pay
via TIBLink
- FREE
E-Statements with check images
- FREE ATM/Debit
Card (no fee when used at TIB & Publix Presto!
locations)
- FREE 24-hour
telephone banking via Communi-Cay
- Distinctive
checks*
- Penalty waivers
for withdrawals from Certificates of Deposit due
to medical emergencies
Minimum opening
deposit: $100
No fee charged for:
- Travelers checks
- Official checks
- Deposit of bond
coupons
- Stop payment
orders
- Notary service
- Copying service
* Distinctive checks
are supplied at no cost, or a $6.00 credit is given
towards a check of your choice.
CheckingPlus Line of Credit
Gives you easy access to a line of credit up to
$5,000.00. For added convenience, the line of credit
is attached to your personal checking account after
credit approval. Funds are transferred in increments
of $100.00.
- Easy access to
funds
- Simplified
customer accounting
- One quick credit
approval process
- Available for
Debit Card purchases
Investment
Accounts
Regular Savings
This
account provides an excellent place to put excess
funds which remain accessible. When linked to your
TIB checking, it is easy to watch this account grow
with an automatic monthly transfer.
Interest
is compounded daily, and will be credited to your
account at the end of each quarter.
Minimum
balance to earn interest is $100.00
A quarterly account service charge of $5.00 will
be charged if the daily balance in the account falls
below $200.00 any day of the quarter.
More
than six (6) withdrawals per quarter are charged an
excess activity service charge of $5.00 each.
(TIB-ATM withdrawals are excluded)
Minimum
opening deposit: $100.00
Platinum Savings
This
account provides higher interest than the Regular
Savings account keeping your excess funds
accumulating interest while remaining accessible.
Interest is compounded daily, and will be credited
to your account at the end of each quarter.
Minimum
balance to earn interest is $1,000.00
A quarterly account service charge of $10.00 will
be charged if the daily balance in the account falls
below $1,000.00 any day of the quarter.
More
than six (6) withdrawals per quarter are charged an
excess activity service charge of $5.00 each.
(TIB-ATM withdrawals are excluded)
Minimum
opening deposit: $1,000.00
Junior/Student Savings
The ideal account for children and students
under the age of 18*. They can watch their savings
grow with interest earned.
- No minimum
opening balance requirement
- No account
service charge
- Interest is paid
on the entire balance
Account Limitations:
More than six (6) withdrawals per
quarter are charged an excess activity service
charge
of $5.00 each. ATM card is not available.
Please note that federal regulations require
certain transaction limitations on all savings and
money market accounts. See depository agreement for
details. * The
account must be established jointly with a related
adult.
Certificates of Deposit - Fixed Rate
TIB offers its customers a choice of time
savings instruments from 30 days to five (5) years.
The interest rate is determined by the length of
time the funds are placed on deposit.
Minimum deposit: $1,000.00
CDARS Program - Get the security of $50 Million in FDIC Insurance
With the CDARS Program, TIB Bank can provide you with easy access to multi-million dollar
FDIC protection on CD investments up to $50 million. You sign one agreement, earn one interest rate,
and receive one statement. The CDARS benefits of having one bank, one rate and one statement help to reduce your administrative burden.
And with CDARS, we can eliminate the need to monitor change collateral values - another time saving convenience.
Click here for more information on CDARS.
Click here to watch a video on CDARS.
Money Market Accounts
Money Market Accounts
TIB's powerful, high-performing Money Market Accounts
can be accessed by check, phone, ATM, and TIBLink
Internet banking.
As your balance increases,
so does the interest rate. This provides you with
the ability to stay current with the rise and fall
of rates, without being locked into a fixed rate.
Features Include:
- Tiered balance
pricing
- Interest is
compounded daily and credited monthly
- FREE 24-hour
telephone banking via Communi-Cay
- FREE TIBLink
Internet banking
- FREE Bill Pay
via TIBLink
- FREE
E-Statements with check images
Minimum opening deposit: $100.00
Switch Kit Package
Switch
your accounts to TIB Bank with our easy to use 5-Step Switch
Kit, a step-by-step checklist with all the online and
printable forms that you’ll need to make the switch from
your current bank to TIB Bank. This checklist will help
simplify your transition while ensuring your complete
satisfaction right from the start.
Make the switch to
TIB Bank - Switching your accounts to TIB Bank is easy
and hassle free!
Account service charges will depend on type of
account chosen.
Additional disclosures for each account will be
provided upon request or at the time the account is
opened.
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