Personal Savings Accounts

It’s never too soon to start saving for the future.  First Bethany makes it easy with four great products!  And, you can access up-to-date information on your account FREE 24/7 with BETH telephone banking at (405) 789-2572; Internet Banking @ www.firstbethany.com; & Mobile Banking via smart phone or tablet app. Select one that’s right for you!

Customer Identification Requirements

Savings

Savings is an interest bearing consumer account designed for personal, family, or household use.  For more info, click here.

Youth Savings

Youth Savings is an interest bearing consumer account designed for those under age 18.  For more info, click here.

Health Savings

This account is for individuals who are participants in a Qualifying High Deductible Health Plan with separate minimum deductibles and total annual out-of-pocket expenses for both individuals and families. Amounts are subject to change by government regulation.  For more info, click here.

Certificates of Deposit

Provides investments for 91 days, 6 months, 1 and 2 years.  IRA CDs are 1 year investments. Automatically renewable CDs have a 10-day grace period at maturity. Fixed term CDs do not earn interest after maturity date. Closing IRA before required age incurs government and bank penalties plus a closing fee.  For more info, click here.
 

Account Deposit Requirements Minimum Balance Requirements Statements
Electronic transactions generate a monthly statement
Interest2 Quarterly Service Charge
Savings SAVINGS $100.00 minimum opening deposit

BUSINESS SAVINGS
$350.00 minimum opening deposit
$100.00 Daily Quarterly

Secure e-Statement recommended
$100.00 & Over $6.00 if daily balance falls below $100.00

ACTIVITY FEES
Per debit3 over 3 per calendar quarter4 - $1.00
Youth Savings $25.00 minimum opening deposit $25.00 Daily Quarterly

Secure e-Statement recommended
$25.00 & Over FREE

ACTIVITY FEES
Per debit3 over 3 per calendar quarter4 - $1.00
Health Savings $100.00 minimum opening deposit

No transaction limitations
NONE Monthly Statements

Secure e-Statements recommended
All balances

NONE

TRANSACTION LIMIT
Only 6 withdrawals per calendar month4

Certificates of Deposit

CD
$1,000.00 minimum opening deposit

IRA CD
$100.00 minimum opening deposit

CD
$1,000.00


IRA CD
$100.00
Per CD terms

 
All balances; fixed rate; varies with investment term. None

Penalty for early withdrawal.

IRA CD
No penalty if over 59½. If closed before age of 70½ - $25.00

1Effective 30 days after account is opened & qualified.  Not available to students.

2Interest on checking accounts is compounded and credited monthly based on tiers. Interest on Savings Accounts is compounded and credited quarterly based on minimum required. The interest rate and annual percentage yield may change at any time. There are no maximum or minimum interest rate limits. Accrued interest will not be credited if account has closed.

3Debits are any withdrawals made from the account except bank-related fees &/or service charges.

4Federal Regulation limits the number of withdrawals and/or transfers from this type of account. During each checking statement cycle (savings calendar month) you may not make more than six (6) withdrawals or transfers to another bank account of yours or to a third party by means of pre-authorized, automatic, telephone or electronic transaction. There are no limits on the number of withdrawals made in person. The bank requires proper identification for each withdrawal.