Rates & Fees

Rates


Effective Date: August 25, 2014

*Rates subject to change without notice.

  Opening Deposit Interest Rate Annual Percentage Yield (APY)
CERTIFICATES OF DEPOSIT / IRA
Early withdrawal penalties may be assessed
$500.00    
     3 Months   0.20%  0.20%
     6 Months   0.30% 0.30%
     9 Months   0.40% 0.40%
     12 Months   0.50% 0.50%
     18 Months   0.60% 0.60%
     24 Months   0.65% 0.65%
     36 Months   0.75% 0.75%
     42 Months   0.80% 0.80%
     48 Months   1.00% 1.01%
     54 Months   1.10% 1.11%
     60 Months   1.20% 1.21%
IRA Savings Account $100 0.40% 0.40%
PERSONAL MONEY MARKET ACCOUNTS $100    
CBT Money Market      
Balances      
     $1,000.00 > $9,999.00   0.20% 0.20%
     $10,000.00 > $49,999.00   0.25% 0.25%
     $50,000.00 > $99,999.00   0.30% 0.30%
     $100,000.00 and greater   0.40% 0.40%
CBT Platinum Money Market $25,000    
Balances      
     $1,000.00 > $24,999.00   0.25% 0.25%
     $25,000.00 > $49,999.00   0.30% 0.30%
     $50,000.00 > $99,999.00   0.40% 0.40%
     $100,000.00 > $199,999.00   0..45% 0.45%
     $200,000.00 and greater   0.50% 0.50%
PERSONAL SAVINGS ACCOUNTS      
CBT Savings - Balances > $100 $100 0.20% 0.20%
CBT Minor Savings - Any Balance $10 0.20% 0.20%
       
PERSONAL CHECKING ACCOUNTS      
CBT Interest Checking - Any Balance $100 0.10% 0.10%
CBT Patriot Checking - Any Balance $100 *0.20% 0.20%
    *Base Rate - Actual Rate may be higher based on years in service
CBT Select Checking $100    
Balances      
     $0.00 > $9,999.00   0.10% 0.10%
     $10,000.00 > $49,999.00   0.15% 0.15%
     $50,000.00 > $99,999.00   0.20% 0.20%
     $100,000.00 and greater   0.25% 0.25%
CBT Platinum Checking $1,000    
Balances      
     $0.00 > $9,999.00   0.15% 0.15%
     $10,000.00 > $49,999.00   0..20% 0.20%
     $50,000.00 > $99,999.00   0.25% 0.25%
     $100,000.00 and greater   0.35% 0.35%
CBT Fifty Plus Checking - Any Balance $100 0.20% 0.20%
CBT IOLTA Checking Account - $500 and greater $100 0.75% 0.75%
BUSINESS MONEY MARKET ACCOUNTS      
CBT Business Money Market $1,000    
Balances      
     $1,000.00 > $9,999.00   0.15% 0.15%
     $10,000.00 > $49,999.00   0.20% 0.20%
     $50,000.00 > $99,999.00   0.25% 0.25%
     $100,000.00 and greater   0.35% 0.35%
CBT Business Platinum Money Market $25,000    
Balances      
     $1,000.00 > $24,999.00   0.20% 0.20%
     $25,000.00 > $49,999.00   0.25% 0.25%
     $50,000.00 > $99,999.00   0.30% 0.30%
     $100,000.00 > $199,999.00   0.40% 0.40%
     $200,000.00 and greater   0.45% 0.45%
BUSINESS SAVINGS ACCOUNTS      
CBT Business Savings - $200 and greater $200 0.15% 0.15%
BUSINESS CHECKING ACCOUNTS      
CBT Community Checking - $100 and greater $100 0.20% 0.20%
CBT Commercial Analysis Checking - Earned Credit Rate - $200 and greater $200 0.178% 0.178%


Fees may reduce earnings. Annual Percentage Yield assumes interest remains on deposit. Interest Rates are
subject to change at the discretion of Coastal Bank & Trust with no advance notice.

Fees  

 

Account Balancing (Per Hour) $25.00
Account Print Out/Special Statement Cut-off $10.00 (Statement with Check Images)
Accounts Closed within 90 days $15.00
Cashier’s Check $5.00
Check Cashing (Non-Customer) $5.00
Collection Item (Fee Varies) $15.00 (Minimum)
Courier Delivery Service Varies
Copy of Check $3.00
Copy of Statement $5.00
Dormant Account Charge (Monthly) $5.00
Internet Banking with Bill Pay Free
Garnishment/IRS Tax Levy $50.00
Night Depository Bag Inquire
Non-Sufficient Funds (Paid & Returned Items) $32.00
Notary
     Customer
     Non-Customer

Free
$5.00
Daily Overdraft Charge (Per business day) $5.00
Photocopies (Per Copy) $1.00
Research/Subpoena (Per Hour) $25.00
Returned Deposited Item (Charge back) $6.00
Stop Payment $30.00
Transfer via OnCall Banking $2.00
VISA Gift Cards (Prepaid) $3.50 per card
VISA Travel Cards (Reloadable) $4.00 per card / $2.00 reload fee
Wire Transfer (Domestic) $5.00 (Incoming), $15.00 (Outgoing)
Wire Transfer (Domestic) Online Cash Management $10.00 Outgoing
Wire Transfer (International) $25.00 (Incoming) $35 (Outgoing)
Wire Transfer (International) Online Cash Management $25.00 (Outgoing)
Wire Transfer Notification $10.00 (Phone) $15.00 (Fax)
Safe Deposit Box Annual Rental $35.00 (3X5) $50.00 (3X10) $60.00 (5X10) $100.00 (10X10)
Safe Deposit Box Drill Fee $100.00
Safe Deposit Box Late Payment Fee

$15.00


In Addition, Commercial Analysis Fees Include:

Monthly Maintenance Fee $12.00
Per Deposit $.25
Per Checks & Other Items Paid $.15
On-Us Deposited Items $.07
Local (NC) Deposited Items $.08
Non-Local Deposited Items $.09
Deposited Item Charge Back $6.00
Hold Statement Charge $10.00
ACH Origination $50.00
ACH Debit $.15
ACH Credit $.10
ACH Modification $50.00
Disposable Bag Purchase $TBD
Disposable Bag Drop Fee $1.00
Coin Supplied Per Roll $.10
Currency Supplied (1,000) $.50
Night Drop Cloth Zipper Bag Purchase $30.00
Night Drop Cloth Zipper Bag Drop Fee (per bag) $1.00

 

 
 
Coastal Bank & Trust • 2414 North Marine Blvd. • Jacksonville, NC 28546
Phone: 910-577-3200 • Fax: 910-577-3211

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