 
Our
personal deposit products offer you the perfect combination of
security, convenience and financial control. Select the account that
best suits your needs.
PINNACLE CHECKING
Managing your money with confidence calls for a checking account
that offers both easy access and financial reward. Pinnacle Checking
combines the features of a checking account with the earnings of a
money market account. Enjoy a variety of benefits, including:
-
Premium Privileges points awarded at new account opening.
Additional points can be earned by adding direct deposit to your
account and/or opening a new home equity line of credit or
mortgage.
- Earns interest
- Free checks for the life of the
account
- No per
check charges
- Unlimited
check writing privileges
- Free Online Banking
- Free Online Bill Pay
- Free Telephone Banking
- A no-fee
Visa Check (Debit) Card with a higher authorization limit for
purchases (open to buy limit)1
- Free ATM
transactions when you use any Fairfield County Bank or
Ridgefield Bank* ATM.10
- All ATM
surcharges are waived.2
- REAL TIME
Visa Check Card and ATM Card monitoring service for potentially
fraud activity.
- 1/4%
interest rate bonus on CDs
- 1/4% interest rate discount on
Consumer Loans
- Fee-free wire transfers3
- Fee-free traveler's cheques
- $5,000 of Identity Fraud
Reimbursement Insurance 4
- Discount on safe deposit box
rental fees when fees are automatically debited from your
account5
- A complimentary insurance review
performed by an insurance professional at Carnall Insurance,
Inc.6**
- A complimentary investment plan
review performed by a Financial Advisor at Fairfield County
Financial Services7**
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CHARTER CHECKING
Get the most out of your checking account. Charter Checking
pays interest on a tiered interest rate basis which means the larger
your balance, the higher your rate of interest. A low minimum
balance is required to open the account. Certain minimums are
required to waive monthly service charges.
-
Premium Privileges points awarded at new account opening.
Additional points can be earned by adding direct deposit to your
account and/or opening a new home equity line of credit or
mortgage.
- Earns interest
- Free first order of checks9
- No per
check charges
- Unlimited
check writing privileges
- Free Online Banking
- Free Online Bill Pay
- Free Telephone Banking
- A no-fee
Visa Check (Debit) Card10
- Free ATM
transactions when you use any Fairfield County Bank or
Ridgefield Bank* ATM.10
- 8 ATM
surcharge waivers per statement cycle2
- REAL TIME
Visa Check Card and ATM Card monitoring service for potentially
fraud activity.
- $5,000 of Identity Fraud
Reimbursement Insurance 4
- Discount on safe deposit box
rental fees when fees are automatically debited from your
account5
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CHOICE
CHECKING
Get
free checking with direct deposit* plus a whole lot more!
This non-interest bearing checking account entitles you to great
benefits that can save you money and time:
-
Premium Privileges points awarded at new account opening.
Additional points can be earned by adding direct deposit to your
account and/or opening a new home equity line of credit or
mortgage.
-
Free with direct deposit8
-
Free first order of checks9
- No per
check charges
- Unlimited
check writing privileges
- Free Online Banking
- Free Online Bill Pay
- Free Telephone Banking
- A no-fee
Visa Check (Debit) Card10
- Free ATM
transactions when you use any Fairfield County Bank or
Ridgefield Bank* ATM.10
-
2 ATM
surcharge waivers per statement cycle2
-
REAL TIME Visa Check Card and
ATM Card monitoring service for potentially fraud activity.
- $5,000 of Identity Fraud
Reimbursement Insurance 4
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50+ FREE SPIRIT CHECKING
If you’re age 50 or older, you’ll enjoy checking with interest with
no monthly service charges or per check fees. Low minimum
balances are required to open the account and earn interest.
Additional benefits include:
-
Premium Privileges points awarded at new account opening.
Additional points can be earned by adding direct deposit to your
account and/or opening a new home equity line of credit or
mortgage.
- Earns interest
- Low minimum balances required to
open the account and earn interest
- Free first order of checks9
- No per
check charges
- Unlimited
check writing privileges
- Free Online Banking
- Free Online Bill Pay
- Free Telephone Banking
- A no-fee
Visa Check (Debit) Card10
- Free ATM
transactions when you use any Fairfield County Bank or
Ridgefield Bank* ATM.10
-
2 ATM surcharge waivers per
statement cycle2
-
REAL TIME Visa Check Card and
ATM Card monitoring service for potentially fraud activity.
- Fee-free
traveler's cheques
- $5,000 of Identity Fraud
Reimbursement Insurance 4
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MONEY MARKET SAVINGS
-
Maximize the earnings of your account while maintaining flexible
access to your money.
-
Our tiered interest rate Money Market savings
product provides rewards in the form of higher interest for higher
balances.
-
Enjoy convenient 24-hour access to your account with ATMs,
free
Online Banking and free
Telephone Banking.
-
Premium Privileges points awarded at new account opening.
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MONEY MARKET SAVINGS WITH CHECKING
-
Adding limited check-writing privileges to your tiered interest
rate Money Market account provides flexible access while you
maximize earnings. As your balance increases, so does your reward
in higher interest rates.
-
Enjoy convenient 24-hour access to your account
with ATMs,
free Online
Banking and free Telephone
Banking.
-
Premium Privileges points awarded at new account opening.
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STATEMENT SAVINGS
-
For you, your child or a grandchild, a Statement Savings account is
an easy and convenient way to accumulate funds while maintaining
liquidity.
-
A low minimum balance is required to open the account and
earn interest.
-
Enjoy convenient 24-hour account access to with ATMs, free
Online
Banking and free Telephone
Banking.
-
Premium Privileges points awarded at new account opening.
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CERTIFICATES OF DEPOSIT (CD)
-
A Certificate of
Deposit can be a secure investment vehicle with a guaranteed rate of
return.
-
CDs are available with a variety of terms to fit your short
or long-term savings needs.
-
You can earn a higher rate of interest
than a regular savings or money market account depending on the term
selected.
-
Enjoy
convenient 24-hour access to your account with free
Online Banking and free
Telephone
Banking. You can find out balance and interest earned
information.
-
Premium Privileges points awarded at new account opening.
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1You
may be assessed at ATMs other than those owned and operated by
Fairfield County Bank and Ridgefield Bank, a division of Fairfield
County Bank, for a transaction or balance inquiry even if you don't
complete a fund transfer. Open to buy limits are
the amount of signature-based transactions which may be processed
against your Visa Check Card in a single day.
2An
ATM surcharge waiver eliminates your payment of a surcharge imposed
by ATM owners and operators other than Fairfield County Bank or
Ridgefield Bank, a division of Fairfield County Bank.
Surcharge fees are rebated monthly.
3We
will provide wire transfer services for both domestic and
international wires without charging a fee. In the case of
international wires, a fee may be charged by a third party provider.
This fee will be deducted from your account during settlement.
4$5,000
Identity Fraud Reimbursement Insurance ($0 deductible) for individuals with
checking or NOW accounts as provided in the schedule herewith. 24
Hour Victim Resolution service. Available for Connecticut residents
only. Insurance does not cover actual losses but costs up to
$5,000 for recovery. Subject to all terms and conditions of the
Master Policy.
5Subject
to availability. A discount of 50% of the annual cost will be
applied when the annual rental cost is scheduled for an automatic
deduction from a Fairfield County Bank or Ridgefield Bank, a
division of Fairfield County Bank, account at the time of lease.
6Carnall
Insurance, Inc. is a wholly owned subsidiary of Fairfield County
Bank.
7Securities
offered through INFINEX INVESTMENTS, INC. Member
FINRA/SIPC..
Infinex and the Bank are not affiliated.
8Available
to new accounts that include Direct Deposit. Direct Deposit is
the automatic recurring credit of your payroll, social security,
pension or other other similar recurring payment. A minimum of
one payment per statement cycle must be received in order to waive
the Monthly Service Charge.
9First
single box of custom checks free. Value up
to $19.50.
10When
you use an ATM not owned by us, you may be charged a fee by the ATM
operator and you may be charged a fee for a balance inquiry even if
you do not complete a fund transfer.
*Ridgefield Bank
is a division of Fairfield County Bank.
**Insurance and
Investment Products:
-
Not insured by the FDIC
-
Not a deposit or other form of
obligation of the Bank
-
Not insured by any federal government
agency
-
Not guaranteed by the Bank
-
Subject to investment risk; may go down
in value
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