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Personal Deposits

Banking should be simple and personable.

Everyone has different financial needs and ways of managing their money.
CedarStone Bank will be there with everything you need along the way.

Personal Checking

From Total Checking, with all of its services, to Simply Free Checking, with no minimum balance or service charges, you’ll have an option that’s simply designed for your unique needs.

Free Checking Interest Checking Total Checking




Minimum Opening Balance $100.00 $100.00 $100.00
Check Writing Unlimited Unlimited Unlimited
Free Checks Yes Yes Yes
Interest Bearing No Yes Yes
Image Statements No Yes Yes
Online Banking Yes Yes Yes
Bill Pay Yes Yes Yes
Debit/ATM Card* Yes Yes Yes
Free Foreign ATM Charges Yes Yes Yes
Free Official Bank Checks No Yes Yes
CD Special Offers Yes Yes Yes
Minimum Balance** No $1,000.00 monthly $2,500.00 monthly
Service Charge** No $6.00 monthly $10.00 monthly
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* Credit/Debit/or ATM card are subject to approval.
** On Interest Checking and Total Checking, if your account balance falls below the minimum balance on any day in the statement cycle, your account will be subject to the monthly service charge.

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Money Market

Our Personal Money Market Accounts are ideal for individuals looking for an account that lets you earn interest on your money while maintaining easy access to your funds.

Minimum Opening Balance $2,500.00
Minimum Balance* $2,500.00
Service Charge* $10.00 monthly
Interest Bearing Yes

 *On Money Market Accounts, if your account balance falls below $2,500 on any day in the statement cycle, then your account will be subject to the $10 monthly service charge.

Personal Savings

Take a step towards attaining your financial goals, taking that bucket list vacation, or simply planning for Christmas with one of our 3 savings accounts.

“Personal “Vacation “Christmas




Minimum Opening Balance $100.00 $0 $0
Maximum Deposit $0 $500 monthly $500 monthly
Minimum Balance $0 $0 $0
Service Charge $5.00 after 6 withdrawals monthly $15.00 after 1 withdrawal quarterly $15.00 after 1 withdrawal annually
Interest Bearing Yes Yes Yes
Disbursement Schedule N/A June November
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Certificate Of Deposit

If you are looking for a way to increase the return on your savings, and don’t have a need for immediate access to your funds, then one of our Certificates of Deposit may be exactly what you need. Maturities from 3 months to 5 years. For current rates, please contact us.