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This
interest-bearing savings
account provides customers
with an easy way to save for
the future. The minimum
deposit to open the account
and to obtain the Annual
Percentage Yield disclosed is $50. At the bank's discretion,
the interest rate and Annual
Percentage Yield may change at
any time. Transfers from a
savings account to another
account or to third parties by
preauthorized, automatic, or
telephone transfer are limited
to six per month with no more
than three by check, debit
card or similar order to third
parties.
There is a minimum daily
balance of $200 to avoid a
monthly service charge.
If the daily balance falls
below $200 during the month,
your account will be assessed
a $5 service charge for the
month. |
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| Ask
a customer service
representative about obtaining
an ATM or VISA Check Card.
These cards provide easy, fast
access to your funds at
millions of ATMs, banks, and
merchants worldwide. |
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| Earn
competitive money market
rates. Interest is compounded
daily and credited monthly.
This account has a tiered
interest rate structure with
the interest paid on the
entire balance in the account.
The interest rate increases
each time your money market
account balance reaches
$2,500; $10,000; $25,000; $50,000;
$100,000 and $250.000 with a higher rate paid on the
entire balance. At the bank's
discretion, the interest rate
and Annual Percentage Yield
may change at any time. The
minimum deposit to open this
account is $50. The minimum
daily balance to obtain the
Annual Percentage Yield and to
avoid a service charge is
$2500. If the daily balance
falls below this amount on any
day of the month or statement
cycle, your account will be
assessed a $10 service charge
for the statement period.
Transfers
from a money market deposit
account to another account or
to third parties by
preauthorized, automatic, or
telephone transfer are limited
to 6 per month or statement
cycle with no more than three
by check or similar order to
third parties. There will be a
$5 per check charge for each
check written over 3. Unlimited
cash withdrawals are allowed.
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| Choose
the term to fit your
needs. The minimum deposit is
$1,000* for Certificates of
Deposit. Interest is
compounded daily and credited
monthly, quarterly or at
maturity. The interest rate
will remain fixed for the term
of the certificate.* The Annual
Percentage Yield assumes
interest remains on deposit
until maturity. A withdrawal
of interest will reduce
earnings. All Certificates of
Deposit are automatically
renewable at maturity at the
current rate offered.* You will
have ten calendar days after
the maturity date to withdraw
funds without penalty.*
Traditional
IRA and Roth IRA Certificates
of Deposit are available with
a minimum deposit of $200.
Education CDs are available
for children under 18 years of
age with a maximum
contribution of $500 per year.
Please see our Customer
Service Representatives for a
full explanation of the nature
of these accounts.
| Term |
Penalty
for Early Withdrawal |
| Less
than one year |
30
days less of interest |
| 1
year to less than 2
years |
90
days loss of interest |
| 2
years or more |
180
days loss of interest |
| *Unless
otherwise disclosed for
a specific product on
the account disclosures. |
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| Our
N.O.W. (Negotiable Order of
Withdrawal) checking account
gives you access to your
dollars with the benefit of
earning interest. Interest is
compounded daily and credited
to your account monthly. At
the bank's discretion, the
interest rate and Annual
Percentage Yield may change at
any time. The minimum deposit
to open this account and the
minimum balance to obtain the
Annual Percentage Yield
disclosed is $50, with a
minimum daily balance of
$1,000 to avoid a monthly
service charge. If the daily
balance falls below this
amount on any day of the
monthly statement cycle, your
account will be assessed a $10
service charge. This account
offers unlimited check writing
with no per check fee.
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Marine Bank
is a full service mortgage
lender who recognizes that each
client's needs are unique. We
build our relationship with you
over time by structuring our
services and your accounts'
portfolio around your personal
circumstances. As a client you
will receive residential lending
advice and service with
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Personal Attention
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Experience
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Local Decisions
-
Innovative Products
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| Easy
Living is our economy checking
account. It is designed
to meet the needs
of customers who do not
maintain a high balance, write
few checks and have a minimal
number of transactions each
month. The minimum to open is
$50 with no minimum balance to
maintain. There is no charge
for the first 10 debits each
month. There is a $.50 charge
for each additional debit.
Debits include checks written,
check card transactions, and
ATM withdrawals. There is a
monthly per statement cycle
service charge of $3.50. |
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Our
Senior checking account
recognizes the special status
that our senior customers
deserve and the service they
should expect. To qualify for
this account you must be 50
years of age or older. The
minimum deposit to open the
account is $50. There are no
service charges to this
account and checks are free as
long as regular bank stock
checks are selected. There is
no minimum balance to
maintain. Limited to one
senior checking per qualified
customer.
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Our regular checking account
offers a convenient way to pay
bills and manage monthly
expenses. The minimum deposit to
open this account is $50, with a
minimum daily balance of $500 to
avoid a service charge. If the
daily balance falls below this
amount, your account will be
assessed an $8 service charge
per statement cycle. This
account offers unlimited check
writing with no per check fee. |
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This
is our premium account for
customers who have a
substantial relationship with
Marine Bank. It includes and
provides for a number of
banking services at no
additional cost.
The
minimum balance to open this
account is $100. A minimum
combined balance of $7,500
must be maintained in one or
more of the following
accounts: Certificate of
Deposit, Money Market Account,
Individual Retirement Account,
or Savings Account to avoid a
service charge. If the daily
combined balance falls below
this amount, your account will
be assessed a $12 service
charge for the month.
Receive
the following bank services:
- Free
checks and unlimited check
writing privileges
- No
per check fee
- Combined
statement
- Free
cashier's checks and
traveler's checks
- "FAST
BANKING,
" our Automated
Voice-Response Banking,
lets you access your
account 24 hours a day, 7
days a week
- 1/4
of 1%
off consumer loans (if
qualified)
- $25
discount on a safe deposit
box for the first year
- No
charge for incoming wires
or Notary service
The
Platinum checking account is
interest bearing. The minimum
balance in the checking
account to earn the Annual
Percentage Yield is $50.
Interest is compounded daily
and credited to your account
monthly. At the bank's
discretion, interest rate and
Annual Percentage Yield may
change at any time. |
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| Our
business checking account was
designed with the small
business in mind. The minimum
deposit to open this account
is $100, with a minimum daily
balance of $1,000 to avoid a
service charge. If the balance
falls below this amount at any
time in the statement cycle,
the account is assessed a $10
service charge. There is no
per item charge for the first
100 checks paid per month.
There is a $0.10 per item
charge for each additional
check paid. |
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| Easy
to apply for - fast response
and competitive rates! Ask
your branch representative for
assistance.
Personal
Loans
Credit Lines and Overdraft
Protection
Loans for boats, cars, RV's,
airplanes, mobile homes
VISA - Classic and Platinum
Secured loans and lines of
credit
Home Equity loans and credit
lines
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| Apply
for the personal Marine Bank
Classic or Platinum Visa or
the Classic or Gold
MasterCard. The personal
Marine Bank Visa or MasterCard
offers convenience, access to
cash, and is accepted at
millions of establishments
worldwide. Marine Bank also
offers the business/commercial
credit card providing greater
purchasing convenience for the
Keys' business community. |
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| Safe
deposit boxes are located at
our branches throughout the
keys. Sizes vary to
accommodate customer needs.
A deposit account relationship
is required to open and
maintain a safe deposit box. |
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Call
1-800-992-6201 24 hours/7
days. Enter Access Code
#277 and your social security
# and password. Hear
balance information, recent
transactions; make transfers
between your Marine Bank
accounts. It's fast and
easy to obtain up-to-the
minute available balance
information. Call
toll-free from anywhere in the
U.S.
Call your Marine Bank
representative to set up
"transfer"
capabilities. |
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Receive
credit sooner with Marine
Bank's Merchant
Services. Marine Bank
offers competitive pricing
with no hidden fees for VISA
and Mastercard
processing. Convenient
LOCAL customer assistance is
available anytime you need it,
offering 24 hour support and
staff training on merchant
transaction processing.
Choose traditional terminal
processing or over the
telephone state-of-the-art
touch-tone processing designed
for conducting business on the
road. The services are
tailored specifically for
lodging, retail, restaurant
and internet businesses.
Whether your business is new
to VISA and Mastercard
processing or if you currently
accept credit cards for
payment, consider Marine Bank
for your processing
needs. Our solutions for
your merchant activity will
save you time, allowing you to
focus on growing your
business. |
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| Bank
for free with us and save
money! The minimum to
open is $50 with no minimum
balance requirement an no
monthly service charge.
Enjoy unlimited check writing
with no per check fees.
E-Statement is required for
this account |
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| Certain
eligible personal accounts
qualify for Overdraft
Privilege. Ask for
details. |
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This account is for young savers
under the age of 18. The
minimum deposit to open is $10.
The minimum balance to earn
Annual Percentage Yield is just
$1. There are no monthly fees
associated with this account. |
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| Access
your accounts anywhere 24
hours a day, 7 days a week
with a computer. Review
history, see check images, and
transfer funds at your
convenience. There is no
charge for this service.
Save time and money, sign up
today at www.ourmarinebank.com. |
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Pay your bills from your
computer. Easy to setup
and easy to use. Ask a
Marine Bank representative how
you can qualify for FREE bill
payment service. |
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Marine Bank has been a major
lender to businesses
throughout the Florida Keys
since it was chartered.
Contact Marine Bank to learn
more about the financial
solutions available to you
with competitive rates and
terms. |
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Ask about a variety of
services available to make
handling your business account
transactions easier through
the Internet. Make
business decisions at your
convenience. |
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As a thank you for using Marine
Bank for your mortgage lending
needs, we offer all the benefits
of Platinum Checking to you
without the $7,500 deposit
requirement.
Simply obtain a first or second
mortgage on your primary
residence with Marine Bank and
we will open an Equity Advantage
Checking account for you. There
are no balances to maintain, no
monthly service charge and free
checks for your convenience.
If you have a Home Equity Line
of Credit with Marine Bank - ask
us to link your Credit Line to
your checking account. Access
your line for overdraft
protection. Make transfers from
Line of Credit using Internet
Banking. It's simple to
setup and easy to access from
anywhere.
Receive the following bank
services with Equity Advantage
Checking:
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Free checks and unlimited writing privileges
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No per check fees
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Free cashier's checks and traveler's checks
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"Fast Banking", our Automated-Voice Response Banking,
lets you access your account
24 hours a day-7days a week
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1/4 of 1% discount on non-real estate consumer loans
(if qualified)
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$25 discount on a safe deposit box for the first year
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No charge for incoming wires or Notary services.
Equity Advantage Checking is
interest bearing. The minimum
balance in the checking account
to earn the Annual Percentage
Yield is $50. Interest is
compounded daily and credited to
your account monthly. At the
bank's discretion, interest rate
and Annual Percentage Yield may
change at any time. |
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Want to feel secure without
feeling locked in? Want to earn
more on your reserve cash but
don't need a money market
account with checks? Open a high
yield savings account that pays
increasing interest rates each
time your balance reaches
$7,500, $10,000 and $50,000.
The minimum balance to open the
account is just $50. Start
earning high interest rates on
balances of $7,500 or more. No
minimum balance and no monthly
service charge. Receive
quarterly statements or elect to
combine your statement with your
Checking Account statement
monthly.
A personal Platinum Checking
Account relationship is required
for the personal Platinum
Savings Transfers from a Savings
Account to another account or to
third parties by preauthorized,
automatic or telephone transfer
are limited to 6 in a month with
no more than 3 by POS, check or
similar order to third parties.
Unlimited cash withdrawals are
permitted. |
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Marine Bank has the only trust
department headquartered in the
Florida Keys. We realize that
trusts have become increasingly
important in personal financial
planning and that a properly
planned and executed trust
investment can help preserve
financial assets for your
beneficiaries. Our mission is to
provide responsive, personal
service tailored to meet your
specific needs. This is carried
out by our personal commitment
to you, as our client, to meet
with you to understand your
investment objectives, estate
planning needs and to work with
you in the achievement of your
goals.
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Trust Planning and Administration
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Revocable Living Trusts
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Irrevocable Life Insurance Trusts
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Estate Settlement
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Irrevocable Trusts
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Charitable Remainder trusts
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