Personal Accounts

Banking should fit your life, not the other way around. Whether you need a simple checking account, a savings account to grow your money, or something more specialized, we have options built around how you actually want to bank.

Every account comes with the features you’d expect, including competitive rates and easy access to your funds, plus something you might not expect from a bank: people who know your name and pick up the phone.

Explore our accounts below and find the one that fits. At Ciera Bank, we’re here to help you make the most of your money, one relationship at a time.

Rates

Ciera Checking

Ciera Bank offers multiple checking accounts to suit your personal needs. Every account comes with debit cards, bill payments, online banking, mobile banking, e-Statements, and more — plus a real person on the other end of the line if you ever need one.

	
		Ciera Checking
		
				Product
				Minimum to Open
				Monthly Service Fee
				Statement Options
				Interest Bearing
				Interest Calculation
			

		
				CIERA ADVANTAGE

This account offers paper or paperless statements, check writing, unlimited withdrawals, and low monthly fees.
				$100
				$3 per month, if daily balance falls below $100
				Electronic or
paper statement - $3 per month
				No
				N/A
			

				CIERA DEBIT

This is an unlimited withdrawal, debit card only account created especially for active consumers.
				$100
				$0
				Electronic Only
				No
				N/A
			

				CIERA GOLD

Enjoy paper or paperless statements, unlimited withdrawals, plus membership benefits².
				$100
				$10
				Electronic or Paper
				No
				N/A
			

				CIERA SENIOR

Enjoy paper or paperless statements, unlimited withdrawals, membership benefits² and low monthly fees.
				$100
				$7 per month, if daily balance falls below $500
				Electronic or Paper
				No
				N/A
			

				CIERA STUDENT

A perfect starter account for teens and young adults with no monthly service fee until age 25.
				$25
				$0 until age 25, then $3 per month, if daily balance falls below $100
				Electronic Only
				No
				N/A
			

				CIERA MONEY MARKET

Earn interest on your deposits, and enjoy unlimited check writing, debit card, and unlimited withdrawals.
				$1,000
				$10 per month, if daily balance falls below $1,000
				Electronic or Paper
				Yes
				Compounded Daily
Credited Monthly
			

	

^{1. Requires enrollment in online banking. Monthly statements will be sent electronically via E-Statements.

2. Contact bank for details of membership.}

Ciera Gold and Ciera Senior Checking Account

Our Ciera Gold and Ciera Senior Checking Account products offer safety and security benefits for your added peace of mind. Among the many benefits you will receive are AD&D insurance, a cellular telephone protection plan, roadside assistance, and identity theft resolution and protection services, in addition to discounts on healthcare, shopping, dining, and entertainment. Reach out to one of our branches for more information or to set up an account today.

Student Checking

Specifically designed with students under 25 in mind, our Student Checking Account product is the perfect starter account for teens and young adults, with $0 monthly fees and access to options such as a debit card, Zelle, mobile deposit, direct deposit, and online/mobile banking. Reach out to one of our branches for more information or to set up your account today.

Ciera Savings

Want to earn interest as you save? Our savings accounts are just what you need. If you need to access your savings, you can make up to six withdrawals per statement cycle¹.

	
		Ciera Savings
		
				Product
				Minimum to Open
				Monthly Service Fee
				Statement Options
				Interest Bearing
				Interest Calculation
			

		
				CIERA SAVINGS

Earn interest on your money as you save.
				$100
				$3 per month, if daily balance falls below $200
				Electronic or Paper
				Yes
				Compounded Daily
Credited Monthly
			

				CIERA MONEY MARKET SAVINGS

Earn competitive interest rates while maintaining easy access to your funds.
				$2,500
				$10 per month, if daily balance falls below $2,500
				Electronic or Paper
				Yes
				Compounded Daily
Credited Monthly
			

	

^{1. A $5 Excessive Transaction Fee applies to each withdrawal over six during the statement cycle.}

Individual Retirement Account (IRA)

An Individual Retirement Account (IRA) provides a means of savings for retirement no matter what stage of life you’re in. Ciera Bank offers both Traditional and Roth IRAs to help meet your retirement goals.

Certificate of Deposit (CD)

CDs are an FDIC-insured, low-risk savings option that allows you to earn interest over a particular time period. To help you achieve your savings goals, we offer competitive-rate CDs with maturities that range from 90 days to five years.

Competitive interest rates and terms.

Health Savings Account (HSA)

A Health Savings Account is an FDIC-insured, tax-exempt account you set up to pay for or reimburse certain medical expenses you incur, such as office visits, prescriptions, vision, and dental services. Some features of an HSA are:

You can claim a tax deduction for contributions you make to your HSA
Contributions remain in your account until you use them
The interest or other earnings on the assets in the account are tax free
Distributions may be tax-free if you pay qualified medical expenses
Your HSA is portable; that means it stays with you if you change employers or leave the work force

IntraFi

The IntraFi Network is a shared network linking financial institutions of all sizes, allowing depositors the ability to place money at multiple banks, ensuring maximum FDIC insurance coverage all through one single banking relationship. When a member institution places your deposit into the network, the deposits are divided into amounts under the FDIC insurance maximum of $250,000 and then placed into multiple FDIC insured banks.

The IntraFi Network allows you to utilize your existing Ciera Bank relationship for all accounting openings and management. This eliminates the hassle of having to open accounts at different banks or in different insurable capacities, as well as the need to manually consolidate account statements and interest disbursements on a recurring basis. This reduces administrative burdens, especially during tax and financial reporting seasons, and frees up valuable time.

So you can skip the extra paperwork while enjoying the peace of mind associated with access to this level of FDIC insurance coverage.

Personal Accounts