Savings Accounts

We offer a variety of savings accounts to help you meet your needs. Compare our savings options to find the right choice for you.

Personal IMMA

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  • $2,500.00 deposit to open account.
  • $5.00 monthly service charge.*
  • 25¢ per debit transaction (withdrawal, check paid, automatic transfer or payment out of account).*
  • Balance determined by the application of a daily periodic rate to the full amount of the principal in the account each day.
  • During any month, you may not make more than six withdrawals or transfers to another bank account of yours or to a third party by means of a pre-authorized, automatic transfer or telephonic order or instruction, whether initiated by check, draft, debit card, if applicable, or similar order to a third party. This includes HomeAccess online banking account transfers and bill payments.
  • Free Online Banking, Online Billpay, and Mobile Banking**.
*These fees will be waived if you maintain a daily balance of $2,500.00.

**Bank of Lee County offers this service free of charge, but you should check with your mobile service provider for data usage rates.

Commercial IMMA

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  • $2,500.00 deposit to open account.
  • $5.00 monthly service charge.*
  • 25¢ per debit transaction (withdrawal, check paid, automatic transfer or payment out of account).*
  • Balance determined by the application of a daily periodic rate to the full amount of the principal in the account each day.
  • During any month, you may not make more than six withdrawals or transfers to another bank account of yours or to a third party by means of a pre-authorized, automatic transfer or telephonic order or instruction, whether initiated by check, draft, debit card, if applicable, or similar order to a third party. This includes HomeAccess online banking account transfers and bill payments.
  • Free Online Banking, Online Billpay, and Mobile Banking**.
*These fees will be waived if you maintain a daily balance of $2,500.00.

**Bank of Lee County offers this service free of charge, but you should check with your mobile service provider for data usage rates.

Regular Savings

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  • $100.00 to open an account.
  • $100.00 minimum balance to avoid a monthly service charge.
  • Interest compounded and credited quarterly using Daily Balance method. Daily Balance determined by the application of a daily periodic rate to the full amount of the principal in the account each day.
  • Interest rates and annual percentage yields may change according to bank discretion.
  • 3 withdrawals per month at no charge, for each additional withdrawal, the account will be assessed a $1.00 charge per withdrawal.
  • During any month, you may not make more than six withdrawals or transfers to another bank account of yours or to a third party by means of a pre-authorized, automatic transfer or telephonic order or instruction, whether initiated by check, draft, debit card, if applicable, or similar order to a third party. This includes HomeAccess online banking account transfers and bill payments.
  • Free Online Banking, Online Billpay, and Mobile Banking*.
*Bank of Lee County offers this service free of charge, but you should check with your mobile service provider for data usage rates.

If you close your account before interest is credited, you will not receive the accrued interest. Interest rates and annual percentage yields may change according to bank discretion. Transfers from a Passbook Savings Account to another account or to third parties by preauthorized, automatic, or telephone transfer are limited to 6 per statement cycle.

Christmas Club

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  • $3.00 to open an account.
  • No monthly service charge.
  • New accounts may be opened from November 1st to March 31st of each year. You will receive a check for the balance plus Bonus no later than November 1st of each year.
  • Payments should be made weekly using the coupon or automatic transfer from an internal account. Each account has 50 payment coupons. The 49th payment must be made by October 9th. The final payment (Bonus) will be paid to the account upon check issuance. At the end of the club account period, the funds in the account will be mailed to you by check.**
  • $20.00 penalty for early withdrawl.
  • Free Online Banking, Online Billpay, and Mobile Banking*.
*Bank of Lee County offers this service free of charge, but you should check with your mobile service provider for data usage rates.

**You will receive amount equal to Club Agreement set up at account opening as a bonus on the 50th week, provided that the first 49 payments are paid. If you close the account prior to October 9th of that year you will not earn the Bonus.

Certificate of Deposit

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A Certificate of Deposit is an excellent way to set aside funds for a pre-determined period maximizing your interest earnings while protecting your funds in an FDIC insured savings vehicle. Bank of Lee County offers a wide array of Certificate of Deposit terms and can tailor the perfect CD to meet your savings needs, including IRA's

  • Interest will be credited to your account or paid to you monthly, quarterly, semi-annually, annually, at maturity or as agreed upon.
  • After the account is opened, you may not make any deposits into or withdrawals from the principal in the account until the maturity date.
  • Daily Balance method used to calculate interest on your account determined by the application of a daily periodic rate to the full amount of the principal in the account each day.
  • Interest begins to accrue on the business day you deposit any non-cash item.
  • APY assumes interest will remain on deposit until maturity.
  • Penalties for early withdrawls are 30 days for CD under 1 year and 3 months for CD over 1 year.
  • Free Online Banking, Online Billpay, and Mobile Banking*.
*Bank of Lee County offers this service free of charge, but you should check with your mobile service provider for data usage rates.

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