The Bank of Commerce
Deposit Accounts

Savings Accounts

Personal Savings Comparison Table

Accounts Minimum To Open Service Charge Withdrawal Fees Interest Paid Other
E -  Savings**+ No Minimum N/A N/A Quarterly  
Statement Savings**+ $100 $3 if balance falls below $100 during the month $1 for each debit transaction in excess of 3 during the month Quarterly  
Idaho Medical Savings**+ (Idaho Tax filers Only)* $100 $3 if balance falls below $100 during the month $1 for each debit transaction after first 6 per month Quarterly May be tax deductible on State Taxes

**Savings Account and Money Market restricted transactions

Federal Regulation D allows an unlimited number of withdrawals from your account in person, by ATM, or by mail or messenger. However, this regulation limits the number of transfers you may make from a Savings Account or Money Market Account. No more than six transfers can be made during each calendar month for Savings and each statement cycle for Money Market Accounts by check, draft, debit card, pre-authorized transfer, automatic transfer, or telephone transfer (including data transmission by computer or other electronic devices). If the above limits are exceeded three (3) times in a twelve (12)-month period, the account may be subject to closure or reclassification. For the purposes of the transaction limitation, we count checks as of the date we post them to your account, not as of the date you write them.

* For deductibility of contributions and interest and your ability to withdraw funds for eligible medical expenses without being subject to Idaho State income tax, please consult your accountant or tax advisor. A 10% penalty will be imposed by Idaho State Tax Commission on any non-medical withdrawals and withdrawals will also be subject to Idaho State income tax. A withdrawal of funds by an account holder for a non-eligible medical expense after reaching 59 1/2 years of age results in the amount of the withdrawal being included as gross income, but not subject to the 10% penalty. Stop payments can be issued on a Medical Savings Account.

+Variable rate may change after account opening

 
FDIC Equal Housing Lender