Consumer Banking Products and Services
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Commercial Banking Products and Services
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WE UNDERSTAND YOUR BUSINESS NEEDS.

At the Talbot Bank you can choose from a full range of deposit services.

From business checking to a wide array of cash management products, we offer one that is right for your business.

Whether it is a line of credit or a mortgage for your business, our experienced loan officers are here to structure your business credit to suit your needs.

Small Business Checking Account

Minimum balance to open account: $50.00

Minimum balance to avoid service charge: You can avoid a service charge if the average daily collected balance for the statement cycle is $400.00 or more. The average daily collected balance is calculated by adding the collected balance each day of the period and dividing that figure by the number of days in the period.

Transaction limitations: There is no charge for the first 50 checks paid and 50 checks deposited per month.
Per item charges are assessed for activity in excess of these levels.




Interest Bearing Business Checking Accounts
(Sole Proprietorship, and Nonprofit Organizations only)

Small Business Super NOW Checking Account

Minimum balance to open account: $1,000.00

Minimum balance to avoid service charge: You can avoid a service charge if the average daily collected balance for the statement cycle is $400.00 or more. The average daily collected balance is calculated by adding the collected balance each day of the period and dividing that figure by the number of days in the period.

Rate information: Interest rate and annual percentage yield may change at our discretion, any time.

Compounding and crediting frequency: Interest will be compounded daily. Interest will be credited to your account every month.

Balance to obtain the annual percentage yield: If the daily collected balance falls below $1,000.00, interest will be paid at a lower rate.

Daily balance computation method: This method applies a daily periodic rate to the balance in the account.

Accrual of interest: Interest begins to accrue the business day we receive credit for the deposit for noncash items such as checks.

Transaction limitations: There is no charge for the first 50 checks paid and 50 checks deposited per month.
Per item charges are assessed for activity in excess of these levels.

INDIVIDUAL RETIREMENT ACCOUNTS

SAVINGS FOR THE FUTURE... TAX DEFERRED OR TAX EXEMPT

Earnings on IRA investments remain tax deferred or tax exempt... so they grow faster than most other types of investments.

Talbot Bank has a variety of IRA investment options to suit your financial goals... including Traditional, Roth, SEP & more. Please ask for details.

To help insure your financial future, open your IRA account today.

INTEREST BEARING CHECKING ACCOUNTS

Super NOW Checking Account

Minimum balance to open account: $1,000.00

Minimum balance to avoid service charge: You can avoid a service charge if you maintain an average collected daily balance of $300.00 for the monthly statement cycle or an average daily balance of $400.00 in a savings, IRA, CD, or interest bearing account.

Rate information: Interest rate and annual percentage yield may change at our discretion, any time.

Compounding and crediting frequency: Interest will be compounded daily and credited to your account monthly.

Balance to obtain the annual percentage yield: If the daily collected balance falls below $1,000.00, interest will be paid at a lower rate.

Daily balance interest computation method: This method applies a daily periodic rate to the balance in the account.

Accrual of interest: Interest begins to accrue the business day we receive credit for the deposit of noncash items such as checks.

NON-INTEREST BEARING CHECKING ACCOUNTS

Regular

Minimum balance to open account: $50.00

Minimum balance to avoid service charge: You can avoid a service charge if you maintain a average collected daily balance of $300.00 for the monthly statement cycle or maintain a minimum daily balance of $400.00 in a savings, IRA or CD.

Special

Minimum balance to open account: $50.00

Minimum balance to avoid service charge: Our Special account operates just like the Regular accounts except there is a small monthly fee plus a per check charge, if you do not maintain a sufficient balance to avoid a service charge.

MONEY MANAGEMENT ACCOUNT


This savings instrument has a five (5) tiered rate earning opportunity that will automatically fluctuate with the balance you maintain in this account.

Minimum balance to open account: $1,000.00

Rate information: Interest rate and annual percentage yield may change at our discretion, any time.

Compounding and crediting frequency: Interest will be compounded daily and credited to your account on the last day of each month.

Balance to obtain the annual percentage yield: If the daily collected balance falls below $1,000.00 interest will be paid at a lower rate.

Daily balance interest computation method: This method applies a daily periodic rate to the balance in the account.

Accrual of interest: Interest begins to accrue on the business day you deposit noncash items such as checks.

Transaction limitations: By Federal Regulation transfers from a Money Management account to another account or to third parties by preauthorized, automatic, or telephone transfer, are limited to six per month.

SAVINGS ACCOUNT

Minimum balance to open the account: $50.00

Rate information: Interest rate and annual percentage yield may change at our discretion, any time.

Compounding and crediting frequency: Interest will be compounded daily and credited to your account at the end of every quarter.

Minimum balance to obtain the annual percentage yield: You must maintain a minimum balance of $50.00 to avoid a quarterly service charge fee.

Daily balance interest computation method: This method applies a daily periodic rate to the balance in the account.

Accrual of interest: Interest begins to accrue on the business day you deposit noncash items such as checks.

Transaction limitations: By Federal Regulation, transfers from a savings account to another account, or to third parties by preauthorized, automatic, or telephone transfer, are limited to six per month.

Fees: Savings accounts are charged a fee for each withdrawal in excess of nine per calendar quarter. A fee is assessed on any account closed within 60 days of opening.

MINOR SAVINGS ACCOUNT

Minimum balance to open the account: $20.00

Rate information: Interest rate and annual percentage yield may change at our discretion, any time.

Compounding and crediting frequency: Interest will be compounded daily and credited to your account at the end of every quarter.

Minimum balance to obtain the annual percentage yield: You must maintain a minimum balance of $20.00 to avoid a quarterly service charge fee.

Daily balance interest computation method: This method applies a daily periodic rate to the balance in the account.

Accrual of interest: Interest begins to accrue on the business day you deposit noncash items such as checks.

Transaction limitations: By Federal Regulation, transfers from a savings account to another account, or to third parties by preauthorized, automatic, or telephone transfer, are limited to six per month.

Fees: Savings accounts are charged a fee for each withdrawal in excess of nine per calendar quarter. A fee is assessed on any account closed within 60 days of opening.

CERTIFICATES OF DEPOSIT

RATE/PLUS CD
The annual simple interest is competitively high and available on a monthly basis.

On your Anniversary date if the remaining maturity rate is higher, we pay the higher rate.

If it's lower, we keep it at the original rate . . our worry-free CD!

Five year, $10,000 minimum. IRA, $500

An early withdrawal penalty may apply

REGULAR
Various terms, beginning with a $500.00 minimum deposit. Interest compound daily. Please call for our current rates. (there may be a substantial penalty for early withdrawal)

INTERNET BANKING


24 HOUR ACCESS
Internet Banking allows you to access account information and make transactions from a personal computer 24 hours a day, 7 days a week….

FAST AND EASY
What are some of the tasks you can accomplish with Internet Banking?

• Perform account inquiries on checking, savings, certificate and loan accounts.
• Obtain statement transaction detail on your accounts.
• Transfer funds between your accounts.
• Submit a check re-order request.
• Send e-mail messages to the Bank.
• Initiate stop payment requests.
• Pay your bills online.
• Loan payments.
• Review your cancelled checks and deposit tickets.

For more information about Internet Banking, please contact us.

VIC (Very Important Customer) ATM CARD

With this card you can use a Talbot Bank, Centreville National Bank or a Felton Bank ATM anytime, day or night, 365 days a year. There is no charge for this service.

With your VIC ATM card you can:

• Make Deposits
• Withdraw Money
• Obtain Balance Information
• Make Loan Payments
• Transfer Funds Between Accounts

Our ATMs are very convenient . . . and they are very simple to use.

Our VIC ATM card gives you the ability to access your money anywhere you see a STAR and/or a MasterCard/CIRRUS sign. These signs are located at ATM's throughout the USA and around the world.

If you use an ATM that is not owned by Talbot Bank, Centreville National Bank or a Felton Bank, you're limited to:

• Withdrawals
• Transferring Funds Between Accounts
• Obtaining Balance Information

You may incur a charge when using an ATM that is not owned by the Talbot Bank, Felton Bank or a Centreville National Bank. Please see our ATM disclosure for details.

DIRECT DEPOSIT

WHAT ARE THE BENEFITS OF DIRECT DEPOSIT?

DIRECT DEPOSIT IS CONVENIENT
Skip the trip to the bank this weekend. With Direct Deposit your payroll or government check is automatically deposited into your checking, savings account, Christmas Club or any combination of these.

DIRECT DEPOSIT IS SAFE
You'll never need to worry about lost, stolen or damaged checks again.

DIRECT DEPOSIT IS FREE
There is no charge by the government or your employer to initiate or maintain Direct Deposit service.

DIRECT DEPOSIT HELPS YOUR FUNDS EARN INTEREST IMMEDIATELY
The sooner your check is in the bank, the sooner your money begins earning interest. Direct Deposit is the quickest way to get your money to the bank.

VISA & MASTERCARD


INSTANT CREDIT AT YOUR FINGERTIPS
Make your Talbot Bank Visa or MasterCard your constant traveling companion. Your Talbot Bank Visa or MasterCard is already packed with everything you need to take you anywhere you want to go.

ACCEPTED AROUND THE GLOBE
You'll benefit from its convenience and security whenever you use your card to travel, shop or dine.

SOME BENEFITS OF USING THE TALBOT BANK VISA OR MASTERCARD

 

 

Request for application

TALBOTCHECK CARD

MAKE YOUR CHECKBOOK DO MORE
The TalbotCheck Card does this and much more. This card gives you a faster, more economical, more convenient way to pay for the products and services you need.

NO MORE HASSLES ASSOCIATED WITH A CHECKBOOK
Forget having to round up your checkbook, pens and two forms of ID. The TalbotCheck Card makes every purchase as easy as using a credit card.

ACCEPTED WHERE YOU SEE THE VISA SIGN
The TalbotCheck Card can be used in ATM machines and anywhere you see the VISA logo.