Get more bang for your buck! This is a combination checking and savings account with tiered rates. The minimum balance to open this account is $5000. If the balance falls below $5000, there is a service charge of $10. This account earns interest at the current stated rate assigned to their tier as long as the minimum balance is maintained. Withdrawals are limited to six (6) per month with no more than three (3) by check. There is an excess debit fee of $20.