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Personal Savings

So many ways to save. We can help you choose the right mix.

We have all the resources to help you save for the future. Let’s get started with a sound strategy and smart implementation.

 

Everyday Savings1

All the essentials you need in one simple savings account


Monthly Maintenance Fee $3
Waive the Monthly Maintenance Fee2

Minimum daily balance of $300
or
Age 17 or younger
or
Monthly automatic transfer of $25 or more from another Columbia Bank account

Minimum Opening Deposit

$100
or
$5 for age 17 or younger

Check/Debit Charges $1 per debit over three if balance is less than $300
Interest Earnings
Calculated
Paid/Compounded
Yes
Daily
Monthly
Paper Statement Fee

$3
Waived with enrollment in eStatements3

ATM Transaction Charges4
Columbia Bank ATMs
Non-Columbia Bank ATMs

No charge
$2.00

1 During any statement cycle you may not make more than 6 withdrawals or transfers to another account of yours or to a third party by means of a preauthorized or automatic transfer or telephone order or instruction, computer transfer, or by check, draft, debit card or similar order to a third party. A $5 charge per withdrawal will be assessed after the sixth withdrawal per statement cycle. If you continue to exceed the number of transfers or withdrawals, your account may be closed or the account type may be changed.
If the balance requirement to waive the monthly maintenance fee is based on a minimum, you must maintain that minimum balance each day to avoid the disclosed maintenance fee.
3 Requires enrollment in Premier Personal Online Banking.  Please refer to Online Terms and Conditions for more information.
4 You may be subject to international service charges and surcharges on non-Columbia bank ATMs.

Please refer to the Services and Fees Schedule for additional fees that may be assessed against your account.  Accounts must be open and in good standing on their statement cycle date to receive refund benefits.

Snowflake Savings1, 2

An automated savings option for the holidays.  A check will be mailed to you or directly deposited to your checking account in November



Monthly Maintenance Fee $0
Waive the Monthly Maintenance Fee Not applicable
Minimum Opening Deposit $20
Check/Debit Charges Debits and withdrawals are not permitted except for closure

Interest Earnings
Calculated
Paid/Compounded 

Yes
Daily
At maturity
Paper Statement Fee

Not applicable

ATM Transaction Charges3
Columbia Bank ATMs
Non-Columiba Bank ATMs

No charge
$2.00

1 During any statement cycle you may not make more than 6 withdrawals or transfers to another account of yours or to a third party by means of a preauthorized or automatic transfer or telephone order or instruction, computer transfer, or by check, draft, debit card or similar order to a third party. A $5 charge per withdrawal will be assessed after the sixth withdrawal per statement cycle. If you continue to exceed the number of transfers or withdrawals, your account may be closed or the account type may be changed.
In November, earned interest will be posted and your Snowflake Savings check will be mailed to you or directly deposited to your checking account based on the option you chose at the time of acount opening.
3 You may be subject to international service charges and surcharges on non-Columbia bank ATMs.

Please refer to the Services and Fees Schedule for additional fees that may be assessed against your account.  Accounts must be open and in good standing on their statement cycle date to receive refund benefits.

Boost Money Market1

Our basic Money Market with tiered rates

Monthly Maintenance Fee $10
Waive the Monthly Maintenance Fee2 Minimum daily balance of $1,000
Minimum Opening Deposit $1,000
Check/Debit Charges $1 per debit/check over three if balance is less than $1,000
Interest Earnings
Calculated
Paid/Compounded
Yes, tiered rates
Daily
Monthly
Paper Statement Fee

$3
Waived with enrollment in eStatements3

ATM Transaction Charges4
Columbia Bank ATMs
Non-Columbia Bank ATMs

No charge
$2.00

1 During any statement cycle you may not make more than 6 withdrawals or transfers to another account of yours or to a third party by means of a preauthorized or automatic transfer or telephone order or instruction, computer transfer, or by check, draft, debit card or similar order to a third party. A $5 charge per withdrawal will be assessed after the sixth withdrawal per statement cycle. If you continue to exceed the number of transfers or withdrawals, your account may be closed or the account type may be changed.
2 If the balance requirement to waive the monthly maintenance fee is based on a minimum, you must maintain that minimum balance each day to avoid the disclosed maintenance fee.
3 Requires enrollment in Premier Personal Online Banking.  Please refer to Online Terms and Conditions for more information.
4 You may be subject to international service charges and surcharges on non-Columbia bank ATMs.

Please refer to the Services and Fees Schedule for additional fees that may be assessed against your account.  Accounts must be open and in good standing on their statement cycle date to receive refund benefits.

Premier Money Market1

Our premier Money Market with tiered rates and check benefits

Monthly Maintenance Fee $15
Waive the Monthly Maintenance Fee2

Minimum daily balance of $10,000
or
Minimum combined balances of $25,0003

Minimum Opening Deposit $1,000
Check/Debit Charges Not applicable
Interest Earnings
Calculated
Paid/Compounded
Yes, tiered rates
Daily
Monthly
Paper Statement Fee

$3
Waived with enrollment in eStatements4

ATM Transaction Charges5
Columbia Bank ATMs
Non-Columbia Bank ATMs

No charge
$2.00
Additional Benefits 1 complimentary package of checks per year6

1 During any statement cycle you may not make more than 6 withdrawals or transfers to another account of yours or to a third party by means of a preauthorized or automatic transfer or telephone order or instruction, computer transfer, or by check, draft, debit card or similar order to a third party. A $5 charge per withdrawal will be assessed after the sixth withdrawal per statement cycle. If you continue to exceed the number of transfers or withdrawals, your account may be closed or the account type may be changed.
2 If the balance requirement to waive the monthly maintenance fee is based on a minimum, you must maintain that minimum balance each day to avoid the disclosed maintenance fee.
3 Combined balances are calculated using th daily balance of all deposit accounts and outstanding balances on loans as of the statement cycle date.  Includes deposit accounts and loans held at Columbia Bank with similar ownership.  Does not include residential mortgage loans.
4 Requires enrollment in Premier Personal Online Banking.  Please refer to Online Terms and Conditions for more information.
5 You may be subject to international service charges and surcharges on non-Columbia bank ATMs.

6 Must be single Columbia Bank style checks.  Beneift renews each calendar year.

Please refer to the Services and Fees Schedule for additional fees that may be assessed against your account.  Accounts must be open and in good standing on their statement cycle date to receive refund benefits.

Compare Personal Savings Accounts

  Everyday
Savings1
Snowflake
Savings1,2
Boost
Money Market1
Premier
Money Market1
  All of the essentials you need in one simple savings account An automated savings option for the holidays.  A check will be mailed to you or directly deposited to your checking account in November Our basic Money Market with tiered rates Our premier Money Market with tiered rates and check benefits
Monthly Maintenance Fee $3 $0 $10 $15
Waive the Monthly Maintenance Fee3

Minimum daily balance of $300
or
Age 17 or younger
or
Monthly automatic transfer of $25 or more from another Columbia Bank account

Not applicable Minimum daily balance of $1,000

Minimum daily balance of $10,000
or
Minimum combined balances of $25,0004

Minimum Opening Deposit

$100
or
$5 for age 17 or younger

$20 $1,000 $1,000
Check/Debit Charges $1 per debit over three if balance is less than $300 Debits and withdrawals are not permitted except for closure $1 per debit/check over three if balance is less than $1,000 Not applicable

Interest Earnings
Calculated
Paid/Compounded

Yes
Daily
Monthly
Yes
Daily
At maturity
Yes, tiered rates
Daily
Monthly
Yes, tiered rates
Daily
Monthly
Paper Statement Fee

$3
Waived with enrollment in eStatements5

Not applicable

$3
Waived with enrollment in eStatements5

$3
Waived with enrollment in eStatements5

ATM Transaction Charges6
Columbia Bank ATMs
Non-Columbia Bank ATMs



No charge

$2.00


No charge

$2.00


No charge

$2.00


No charge

$2.00
Additional Benefits       1 complimentary package of checks per year7

1 During any statement cycle you may not make more than 6 withdrawals or transfers to another account of yours or to a third party by means of a preauthorized or automatic transfer or telephone order or instruction, computer transfer, or by check, draft, debit card or similar order to a third party. A $5 charge per withdrawal will be assessed after the sixth withdrawal per statement cycle. If you continue to exceed the number of transfers or withdrawals, your account may be closed or the account type may be changed.
In November, earned interest will be posted and your Snowflake Savings check will be mailed to you or directly deposited to your checking account based on the option you chose at the time of acount opening.
3 If the balance requirement to waive the monthly maintenance fee is based on a minimum, you must maintain that minimum balance each day to avoid the disclosed maintenance fee.
4 Combined balances are calculated using th daily balance of all deposit accounts and outstanding balances on loans as of the statement cycle date.  Includes deposit accounts and loans held at Columbia Bank with similar ownership.  Does not include residential mortgage loans.
5 Requires enrollment in Premier Personal Online Banking.  Please refer to Online Terms and Conditions for more information.
6 You may be subject to international service charges and surcharges on non-Columbia bank ATMs.

7 Must be single Columbia Bank style checks.  Beneift renews each calendar year.

Please refer to the Services and Fees Schedule for additional fees that may be assessed against your account.  Accounts must be open and in good standing on their statement cycle date to receive refund benefits.

Health Savings

If you have a high-deductible health plan (HDHP), you may be eligible for a Health Savings Account (HSA)—a flexible, tax-free way to save for medical expenses. Besides helping to provide peace of mind,
HSAs offer many advantages.

Tax-Free Benefits
HSAs allow you to make contributions and earn interest tax free! Plus, your distributions (the assets you withdraw) are also tax free as long as they’re used for qualified medical expenses.

Flexibility in Spending
You can use the money in your HSA to pay for—or reimburse—qualified medical expenses for you and your family members. Those expenses could include health insurance deductibles, co-payments, certain over-the-counter medications and out-of-pocket expenses.

Year-to-Year Savings
You’ve heard the phrase “use it or lose it.” Well, an HSA isn’t like that at all. Your HSA balance will carry forward year after year, allowing you to budget for your health expenses and build up your savings to cover qualified medical expenses when the need arises.

Individual Ownership
An HSA is owned by you, not your employer. So, it’s your responsibility to maintain. Ask us for more details.

Contribution Options
Although this is an individual account and goes with you from career to career, your employer may choose to make contributions to your HSA as an added benefit to you.

The annual contribution limit is based on the type of HDHP coverage. For 2014, the limit increases to $3,300 for self-only coverage and $6,550 for family coverage. These limits are subject to annual cost-of-living adjustments (COLAs).

Individuals who are age 55 or older by the end of the taxable year and not enrolled in Medicare may make additional contributions up to $1,000 per year.

Start Saving Today
If you’d like to take advantage of the flexible, tax-free features of an HSA, please call us or stop in to find out more.

Health Savings Account Comparison

Account Flexible Spending Account Health Reimbursement Arrangement Health Savings Account
What type of plan is required? Any type of plan Any type of plan HDHP required: IRS-defined parameters
Who owns the account? Employer Employer Employee
Who can fund the account? Employee Employer Employee, Employer
Does the account accrue interest? No

Yes (but not typical)

Yes
Do assets carry over or roll over to the next plan next year? Limited Depends on how the plan is set up Yes
Is the account portable? No No Yes
Is there a catch-up provision? No No Yes

You must maintain a minimum daily balance of $2,500.00 to waive the $2.50 monthly maintenance fee on the Health Savings account.

This page is intended to provide general information on federal tax laws governing HSAs. It is not intended to provide legal advice or to be a detailed explanation of the rules or how such rules may apply to your individual circumstances or under your state tax laws.

For specific information, you are encouraged to consult your tax or legal professional. IRS Publication 969, Health Savings Accounts and Other Tax-Favored Health Plans, the instructions to IRS Form 8889 and the IRS’s Website, www.irs.gov, may also provide helpful information.