Deposit Products

The Bank of Orrick offers low cost transaction accounts packed with the online features to meet almost everyone’s needs. The best part is, all of the online features are offered at no cost to you! In addition to the transaction accounts we also offer a high yield MMIA account, savings products and CD’s and IRA’s with maturities up to 60 months.

Transaction Accounts


The Bank of Orrick offers two transaction accounts with both accounts packed with the features and benefits that you would expect to find only in much larger financial institutions.  Please see the chart below for account comparisons.

Product TableNothing but the Basics

The Basics Plus Interest

Minimum Opening Balance

$50.00

$100.00

Unlimited Check Writing Yes Yes
Interest Bearing No Yes

Minimum Balance to earn Int.

N/A

$500.00

Monthly Service Charge

No

No

Free Debit Card Yes Yes
Free Internet Banking with Check Free Bill Pay Yes Yes
Free Mobile Banking with Pop Money & Card Valet Yes Yes
Free E-statement Yes Yes
Paper Statement Available Yes* Yes*

*Paper Statement fee of $3.00 per statement will apply
    

Savings and More


The Bank of Orrick also offers a wide variety of saving options starting with the basic statement savings account for the smaller investor to our new MMIA Account for the larger investor who needs access to their money while receiving higher returns.  Please see the chart below for the features of the MMIA, Statement Savings and HSA accounts.

AccountMMIA Account

Statement Savings

HSA
Minimum Opening Balance 

$100.00

$50.00 

None

Unlimited Check Writing No** No** Yes

Interest Bearing

Yes

Yes

Yes

Minimum Balance to earn Int.

$1,000.00

None

$500.00

Monthly Service Charge 

No No

No

Free Debit Card Yes Yes Yes
Free Internet Banking with Check Free Bill Pay Yes Yes Yes
Free Mobile Banking with Pop Money & Card Valet Yes Yes Yes
Free E-statement Yes Yes Yes
Paper Statement Available Yes* Yes* Yes*

*Paper Statement fee of $3.00 per statement will apply
**Transactions limited to 6/statement cycle

Certificates of Deposit (CD)


Bank of Orrick Certificates of Deposit is available to the investor who is looking for a higher yield but does not need the availability of a MMIA account. We offer a variety of terms ranging from as short as 91 days to sixty (60) months. Our Certificates of Deposit have the following features and benefits:

  • $500 minimum opening deposit
  • Automatic Renewal at maturity of CD
  • No maintenance fees
  • Fixed interest rate for entire term of the CD
  • Interest paid at maturity and credited to the CD balance or deposited to another Bank of Orrick account

NOTE: Early withdrawal penalties apply.

Individual Retirement Accounts (IRA)


An Individual Retirement Account is an investment account designed to help you maximize your retirement savings. We offer a variety of IRA’s including the Traditional IRA and Roth IRA.  Our IRA plans are generally available from twelve (12) months to sixty (60) months. A minimum deposit of $500 in required.

NOTE: Early withdrawal penalties apply.

For current rates and further information on any of our deposit accounts, contact a customer service representative via email at info@bankororrick.com or by phone at 816-770-3311.

 

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