Checking & Savings Accounts

Two River Community Bank offers a variety of tailored products and services that allow you to navigate your financial needs with convenience, ease-of-use, and confidence. 

 

Explore your options.

All Two River Community Bank Personal Checking and Savings accounts offer:

  • Fee-free access to tens of thousands of MoneyPass ATMs
    (Please note that some MoneyPass ATMs will initially alert you of a surcharge before completing your transaction. That surcharge will not be charged to you when using your Two River Community Bank debit [non-HSA] card.)
  • Access to Online Banking
  • Access to Mobile Banking with Snap & Go Mobile Check Deposit
  • Access to eStatements
  • And more

 View current rates.

Account TypesFree Checking*50+ Interest CheckingPlatinum CheckingUltra Checking**
Compare Checking Accounts

Description

The ultimate in simple, worry-free checking. 

Exclusively for customers over the age of 50. 

Earn more interest when you maintain a higher balance. 

Our highest checking interest rate. 

Opening Balance

$10 to open an account 

$100 to open an account 

No minimum opening balance requirement 

$1,500 to open an account

Interest

Non-interest bearing account 

Flat rate on entire balance 

A tiered structure paying an increased rate on balances of $5,000 and above 

Our highest rate on the portion of your balance up to $15,000 

Monthly Fee

$0 

$0 

$12 per month; Fee waived if you maintain a daily minimum balance of $2,500 

$15 per month; Fee waived if you maintain a daily minimum balance of $1,500 

Features

  • Fee-free access to MoneyPass ATMs
  • No fee charged by Two River Community Bank at non-Two River Community Bank ATMs (foreign ATM fees may apply)
  • Free first order of 20 standard checks 

All Free Checking benefits, plus:

  • Free specialty mint checks for the life of the account
  • Free standard safe deposit box
  • No fee for Treasurer’s Checks or Money Orders 

All Free Checking benefits, plus:

  • Up to $15 of non-Two River Community Bank ATM fees refunded each month 

All Free Checking benefits, plus:

  • Up to $20 of non-Two River Community Bank ATM fees refunded each month
  • Free first order of basic checks 
Account TypeStatement SavingsHoliday ClubPrestige SavingsUltra Savings**
Compare Savings Accounts***

Description

Flexibility and convenience with a competitive rate. 

A great way to save for the holidays. 

Earn more as you save more. 

Competitive earnings on balances up to $1 million. 

Opening Balance

 $100 to open an account

 No minimum opening balance requirement

$1,000 to open an account

$100,000 to open an account

Interest

Yes 

Yes

A competitive rate based on your total balance

Competitive rates based on portions of your balance in designated tiers 

Monthly Fee

$10 per quarter; Fee waived if you maintain a daily minimum balance of $250 

No monthly fee 

$10 per month; Fee waived if you maintain a daily minimum balance of $1,000 

$100 per month; Fee waived if you maintain a daily minimum balance of $100,000

Money Market Accounts

With Money Markets from Two River Community Bank, you can grow your savings with a tiered rate structure and deposit insurance coverage provided by the Federal Deposit Insurance Corporation.

  • Earn a preferred rate of interest for balances of at least $10,000
  • Unlimited in-person withdrawals***

Please note a monthly fee may be assessed if the minimum daily balance falls below the requirement defined in the account agreement. Please speak with a representative for details.

Certificates of Deposit (CDs) and Individual Retirement Accounts (IRAs)

Certificates of Deposit (CDs) from Two River Community Bank offer you the ability to earn a higher rate of interest by depositing a specific amount for a specified period of time.****

  • Choose from terms with maturities of three months to five years
  • Individual retirement account (IRA) certificates are available (including Traditional, Roth or Education IRAs)
  • Interest can be paid at maturity, paid monthly, or credited to another Two River Community Bank account

Please note a $1,000 minimum opening deposit is required for terms less than one year, and a $500 minimum opening deposit is required for terms of one year or more unless otherwise noted.

Current CD & IRA Specials

13-MONTH
CD or IRA

2.70%
APY*****


$500 Min. To Open

19-MONTH
CD or IRA

2.85%
APY*****


$5,000 Min. To Open

Open a 13-month CD or IRA with $500 or more and earn 2.70% Annual Percentage Yield (APY). Open a 19-month CD or IRA with $5,000 or more and earn 2.85% APY.***** 

 

* Two River Community Bank offers Free Checking as the equivalent of New Jersey Consumer Checking. Service fees, including insufficient funds and overdraft fees may apply to these accounts. Your mobile carrier’s text messaging and data charges may apply for certain services. Using ATM machines not owned by Two River Community Bank may incur additional charges from other institutions. Unless otherwise specified, all advertised offers and terms and conditions of accounts and services are subject to change at any time without notice. After an account is opened or service begins, its features and terms are subject to change at any time in accordance with applicable laws and agreements. For more information, please contact your local branch representative.

** Limit of one account per tax identification number.

*** Federal regulations limit the number of certain types of withdrawals and transfers from all types of savings and money market accounts to six (6) per month. Excessive transactions may result in fees and/or your account being converted to a checking account. See your account agreement for details.

**** Withdrawals of principal prior to maturity will result in interest penalties, which could result in partial loss of principal. Fees can reduce earnings on the account.

***** Annual Percentage Yield (APY) is effective as of December 10, 2018. Rates subject to change. Penalty for early withdrawal.

We're Here to Help

Our passionate, professional, and friendly staff is available to aid you in your decision-making and provide the highest level of personalized customer service.

Contact Us 

 

Website Accessibility

Sitemap

Contact Us

Back to Top