Online Banking

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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.

 

Grow Green Savings7

Recommended if … You want an eco-conscious savings account with a low opening balance that you can add funds to
Minimum Opening Deposit $100
Minimum Daily Balance Required to Waive Monthly Maintenance Fee $300 or waived with a monthly automatic transfer of $25 or more from another Columbia Bank Account
Monthly Maintenance Fee8 $3
Check/Debit Charges $1 per debit after third transaction if balance is less than $300
Interest Earnings
Calculated
Paid/Compounded
Yes
Daily
Monthly
Combined Monthly Statement4 eStatements10 required
ATM Transaction Charges:
Columbia Bank ATMs
All Other ATMs
Point-of-Sale (POS)
(with active checking account)
No charge
No charge
Not applicable
Statement Options eStatements10 required
Overdraft Protection Through Linked Personal Reserve Account6 Not applicable
Other Benefits and Features Maintaining a Grow Green Checking11 account is required.

1 Check Imaging—The ideal system for organizing cancelled checks. They are in easy-to-store format, and it’s free of charge. Check images are printed and sent with your monthly statement. Twelve check images are printed per page unless otherwise requested. Image copies of cancelled checks are widely accepted as proof of payment.
2 Check Safekeeping – Eliminates the need to store cancelled checks. Every month, you will receive a detailed statement showing transaction dates, check numbers and amounts along with all other activity. You may then utilize our free Personal Online Banking to make inquiries. Check images are kept for seven years and can be requested at any time.
3 Please refer to Online Banking Terms and Conditions for information regarding Personal Bill Pay service.
4 One convenient statement—Combine your Columbia Bank accounts on a single monthly statement. The combined statement may include your checking, savings and certificates of deposit accounts. Ask our Customer Service Representatives for details.
5 Holiday Club—Your Holiday Club check will be mailed to you on November 5, or the nearest business day.
6 Subject to credit approval.
7 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.
8 If the balance requirement to avoid the monthly maintenance fee is based on a minimum, you must maintain that minimum balance each day to avoid the disclosed maintenance fee.
9 Up to two boxes of checks per calendar year.
10 Requires enrollment in Online Banking.
11 Requires enrollment in Online Banking and eStatements within 30 days after opening account. If enrollment requirements are not met both the Grow Green Checking and Grow Green Savings accounts will be changed to a Columbia Checking and a Customary Savings with applicable fees and accounts requirements.
Please refer to the Services and Fees Schedule for additional fees that may be assessed against your account.

Holiday Savings Club5

Recommended if … You want an automated savings option for year-end expenses. A check will be issued to you in early November.
Minimum Opening Deposit $20
Minimum Daily Balance Required to Waive Monthly Maintenance Fee Not applicable
Monthly Maintenance Fee8 $0
Check/Debit Charges No debit transfer except to close account

Interest Earnings
Calculated
Paid/Compounded 

Yes
Daily
Paid at maturity
Combined Monthly Statement4 Yes
ATM Transaction Charges:
Columbia Bank ATMs
All Other ATMs
Point-of-Sale (POS)
Not applicable
Statement Options Not applicable
Overdraft Protection Through Linked Personal Reserve Account6 Not applicable
Other Benefits and Features Save automatically all year and have the cash you need for year-end expenses. You choose the dollar amount and date of the transfer.

4 One convenient statement—Combine your Columbia Bank accounts on a single monthly statement. The combined statement may include your checking, savings and certificates of deposit accounts. Ask our Customer Service Representatives for details.
5 Holiday Club—Your Holiday Club check will be mailed to you on November 5, or the nearest business day.
6 Subject to credit approval.
8 If the balance requirement to avoid the monthly maintenance fee is based on a minimum, you must maintain that minimum balance each day to avoid the disclosed maintenance fee.
Please refer to the Services and Fees Schedule for additional fees that may be assessed against your account.

Customary Savings7

Recommended if … You want a savings account with a low opening balance that you can add funds to
Minimum Opening Deposit $100
Minimum Daily Balance Required to Waive Monthly Maintenance Fee $300 or waived with a monthly automatic transfer of $25 or more from another Columbia Bank account
Monthly Maintenance Fee8 $3
Check/Debit Charges $1 per debit  after third transaction if balance is less than $300
Interest Earnings
Calculated
Paid/Compounded
Yes
Daily
Monthly
Combined Monthly Statement4 Yes
ATM Transaction Charges:
Columbia Bank ATMs
All Other ATMs
Point-of-Sale (POS)
(with active checking account)
No charge
$2.00
No charge
Statement Options eStatements10
Overdraft Protection Through Linked Personal Reserve Account6 Not applicable
Other Benefits and Features The monthly maintenance fee is waived for minors under 18 years old. $5 minimum opening deposit for minor accounts.

4 One convenient statement—Combine your Columbia Bank accounts on a single monthly statement. The combined statement may include your checking, savings and certificates of deposit accounts. Ask our Customer Service Representatives for details.
6 Subject to credit approval.
7 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.
8 If the balance requirement to avoid the monthly maintenance fee is based on a minimum, you must maintain that minimum balance each day to avoid the disclosed maintenance fee.
10 Requires enrollment in Online Banking.
Please refer to the Services and Fees Schedule for additional fees that may be assessed against your account.

Money Trend7

Recommended if … You want to earn a competitive interest rate on your funds and only need to write up to three checks per month.
Minimum Opening Deposit $1,000
Minimum Daily Balance Required to Waive Monthly Maintenance Fee $1,000
Monthly Maintenance Fee8 $10
Check/Debit Charges $1 per debit after third transaction if balance is less than $1,000
Interest Earnings
Calculated
Paid/Compounded
Yes
Daily
Monthly
Combined Monthly Statement4 Yes
ATM Transaction Charges:
Columbia Bank ATMs
All Other ATMs
Point-of-Sale (POS) 

No charge
$2.00
No charge
Statement Options Check Safekeeping2
eStatements10
Overdraft Protection Through Linked Personal Reserve Account6 Not applicable
Other Benefits and Features Tiered interest rates.

2 Check Safekeeping – Eliminates the need to store cancelled checks. Every month, you will receive a detailed statement showing transaction dates, check numbers and amounts along with all other activity. You may then utilize our free Personal Online Banking to make inquiries. Check images are kept for seven years and can be requested at any time.
4 One convenient statement—Combine your Columbia Bank accounts on a single monthly statement. The combined statement may include your checking, savings and certificates of deposit accounts. Ask our Customer Service Representatives for details.
6 Subject to credit approval.
7 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.
8 If the balance requirement to avoid the monthly maintenance fee is based on a minimum, you must maintain that minimum balance each day to avoid the disclosed maintenance fee.
10 Requires enrollment in Online Banking.
Please refer to the Services and Fees Schedule for additional fees that may be assessed against your account.

Premium Plan

Why settle for just another money market account? Enjoy great benefits by simply opening a Premium Money Market and Premium Interest Checking account.

  • Earn more with preferred interest rates.
  • You'll appreciate the flexibility a Premium VISA® Debit Card, no foreign ATM charges,1 and Free Premium Plan checks.
  • Free Personal Online Banking and free Personal Bill Pay.6
  • Track your accounts easily—your Premium Money Market, Premium Interest Checking and Time Deposit are all on one statement.
  • More added value—get free cashier’s checks and money orders, plus a $20 yearly credit toward a safe deposit box.
  • Diversify your investments while saving money with a complimentary financial consultation from CB Financial Services* located at Columbia Bank branches.

You must open both a Premium Interest Checking and Premium Money Market to qualify.

  Premium Interest Checking Premium Money Market Account2
Minimum Opening Deposit $25,000 combined $25,000 combined
Minimum Daily Balance to Waive Monthly Maintenance Fee4 $25,000 combined $25,000 combined
Monthly Maintenance Fee Not applicable $15.00
Check/Debit Charges No Charge No Charge
Interest Earnings3


Calculated
Paid/Compounded
$1,000 minimum daily balance required to earn interest
Daily
Monthly
Yes


Daily
Monthly
Combined Monthly Statement Yes Yes
ATM Transaction Charges:1
Columbia Bank ATM
All Other ATMs
Point-of-Sale (POS) Transactions

No charge
No charge
No charge 

No charge
No charge
No charge 
Statement Options Check Safekeeping
eStatements5
Check Imaging
Check Safekeeping
eStatements5

1 ATM transaction charges are waived for Columbia Bank ATMs, Bank of Astoria ATMs, non-Columbia Bank ATMs or POS transactions by Columbia State Bank. You may be subject to international service charges and surcharges on non-proprietary ATMs.
2 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.
3 $1,000 minimum daily balance required to earn interest on Premium Checking account. No minimum to earn interest on Premium Money Market account.
4 If the balance requirement to avoid the monthly maintenance charge is based on a minimum, you must maintain that minimum balance each day to avoid the disclosed maintenance fee.
5 Requires enrollment in Online Banking.
6 Please refer to Online Terms and Conditions for Personal Bill Pay information.

Please refer to Services & Fees Schedule for additional fees that may be assessed against your account.

* Securities and insurance products are offered through Cetera Investment Services LLC (doing insurance business in CA as CFGIS Insurance Agency), member FINRA/SIPC. Advisory services are offered through Cetera Investment Advisers LLC. Neither firm is affiliated with the financial institution where investment services are offered. Investments are: • Not FDIC insured • May lose value • Not financial institution guaranteed • Not a deposit • Not insured by any federal government agency.

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 2010, the limit increases to $3,050 for self-only coverage and $6,150 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.

Compare Personal Savings Accounts7

  Grow Green SavingsHoliday Savings Club5Customary Savings Money Trend
Recommended if … You want an eco-conscious savings account with a low opening balance that you can add funds to. You want an automated savings option for year-end expenses. A check will be issued to you in early November. You want a savings account with a low opening balance that you can add funds to. You want to earn a competitive interest rate on your funds and only need to write up to three checks per month.
Minimum Opening Deposit $100 $20 $100 $1,000
Minimum Daily Balance Required to Waive Monthly Maintenance Fee8 $300 or waived with a monthly automatic transfer of $25 or more from another Columbia Bank account Not applicable $300 or waived with a monthly automatic transfer of $25 or more from another Columbia Bank account $1,000
Monthly Maintenance Fee $3 $0 $3 $10
Check/Debit Charges $1 per debit after third transaction if balance is less than$300 No debit transfer except to close account $1 per debit after third transaction if balance is less than $300 $1 per debit after third transaction if balance is less than $1,000

Interest Earnings
Calculated
Paid/Compounded

Yes
Daily
Monthly
Yes
Daily
Paid at maturity
Yes
Daily
Monthly
Yes
Daily
Monthly
Combined Monthly Statement4 eStatements10 required Yes Yes Yes
ATM Transaction Charges:
Columbia Bank ATMs
All Other ATMs
Point-of-Sale (POS)
(with active checking account)
No charge
No charge
No charge
Not applicable (with active checking account)
No charge
$2.00
No charge


No charge
$2.00
No charge
Statement Options eStatements10 required Not applicable eStatements10 Check Safekeeping2
eStatements10
Overdraft Protection Through Linked Personal Reserve Account6 Not applicable Not applicable Not applicable Not applicable
Other Benefits and Features Maintaining a Grow Green Checking11 account is required. Save automatically all year and have the cash you need for year-end expenses. You choose the dollar amount and date of the transfer. The monthly maintenance fee is waived for minors under 18 years old.
$5 minimum opening deposit for minor accounts.
Tiered interest rates.
 

2 Check Safekeeping – Eliminates the need to store cancelled checks. Every month, you will receive a detailed statement showing transaction dates, check numbers and amounts along with all other activity. You may then utilize our free Personal Online Banking to make inquiries. Check images are kept for seven years and can be requested at any time.
4 One convenient statement—Combine your Columbia Bank accounts on a single monthly statement. The combined statement may include your checking, savings and certificates of deposit accounts. Ask our Customer Service Representatives for details.
5 Holiday Club—Your Holiday Club check will be mailed to you on November 5, or the nearest business day.
6 Subject to credit approval.
7 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.
8 If the balance requirement to avoid the monthly maintenance fee is based on a minimum, you must maintain that minimum balance each day to avoid the disclosed maintenance fee.
10 Requires enrollment in Online Banking.
11 Requires enrollment in Online Banking and eStatements within 30 days after opening account. If enrollment requirements are not met both the Grow Green Checking and Grow Green Savings accounts will be changed to a Columbia Checking and a Customary Savings with applicable fees and accounts requirements.
Please refer to the Services and Fees Schedule for additional fees that may be assessed against your account.