Rates & Fees
Personal Accounts
Old Glory Banks offers multiple accounts to grow your finances and fund your American Dream. This page offers just a summary of our rates and fees for our Personal Accounts. Please see our Terms and Conditions for full details.
Our Freedom Savings Accounts, GOALS, and Premium Checking Accounts earn interest on your daily balance. All rates are subject to change. Fees* may reduce earnings.
Interest Rate as of August 19, 2024:
1.25% Variable Annual Percentage Yield (APY), subject to change.
Applies to Freedom Savings, Premium Checking, and funded GOALS over $25.00.
Freedom Spending accounts do not earn interest (without GOALS** feature).
3.50% Fixed Annual Percentage Yield (APY), subject to change.
Applies to 12-month Certificates of Deposit. Rate is fixed at date of opening.
|
|
Freedom Spending |
Freedom Savings |
Premium Checking |
|---|---|---|---|
|
Monthly Maintenance Fee |
$0 |
$0 |
$19 – waived with $10,000 total balance across all OGB accounts OR at least an aggregate of $5,000 in direct deposits into your Premium Checking Account |
|
ATM Fees |
No fee at any of over 40,000 in-network MoneyPass ATMs; $3.50 per transfer or withdrawal at out-of-network ATM. $1.00 per account inquiry at an out-of-network ATM. |
Freedom Savings accounts cannot be accessed at ATM machines at this time. |
No fee at any of over 40,000 in-network MoneyPass ATMs; 4 out-of-network fees waived per statement cycle and then $3.50 per transfer or withdrawal at out-of-network ATM. $1.00 per account inquiry at an out-of-network ATM. |
|
Old Glory Cash-IN Deposit Fee for deposits less than $200.00 |
$2.99 per deposit; deposits over $200.00 are free. |
$2.99 per deposit; deposits over $200.00 are free. |
$2.99 per deposit; deposits over $200.00 are free. |
|
Incoming Wire Transfer Fee (domestic) |
$0 |
$0 |
$0 |
|
Incoming Wire Transfer Fee (international) |
$30 per item |
$30 per item |
$30 per item |
|
Outgoing Wire Transfer Fee (domestic) |
$30 per item |
$30 per item |
$30 per item |
|
Outgoing Wire Transfer Fee (international) |
$40 per item |
$40 per item |
$40 per item |
|
Paper Checks Processing Fee |
$5 per check after 4 per statement cycle |
n/a |
No processing fee on an unlimited number of paper checks. |
|
Cashier’s Check Fee (includes expedited delivery) |
$39 per item |
$39 per item |
$39 per item |
|
Non-Sufficient Funds (NSF) or Overdraft Fee |
$20 per item |
$20 per item |
$20 per item |
|
Savings-Linked Overdraft Transfer Fee |
$5.00 per transfer after 2 per monthly statement cycle |
n/a |
$5.00 per transfer after 2 per monthly statement cycle |
|
Stop Payment Fee for ACH, Wire, or Check |
$20 per item |
$20 per item |
$20 per item |
|
Dormant Account Fee |
$20 per statement cycle after 24 months of no activity |
$20 per statement cycle after 24 months of no activity |
$20 per statement cycle after 24 months of no activity |
|
Debit Card Replacement Fee |
$10 per occurrence |
Debit cards are not issued for Freedom Savings accounts. |
$10 per occurrence |
|
Expedited Delivery Debit Card Replacement Fee |
$45 per occurrence |
Debit cards are not issued for Freedom Savings accounts. |
$45 per occurrence |
*The fees listed above do not include Old Glory Bank's full Schedule of Fees and Charges. This product comparison tool is to be used to assess common bank fees. Please see our full Schedule of Fees in our Terms and Conditions for more information.
**Funds allocated to GOALS savings targets earn interest on balances above $25.00 at the same rate as our Freedom Savings Accounts.