- Terms & Conditions
- Electronic Funds Transfers
- Your Ability to Withdraw Funds
- Substitute Checks and Your Rights
- Truth-In-Savings Disclosure
- Overdraft Privilege Account Disclosure
- Financial Privacy Policy Public Disclosure
- MyBridge Rewards
Truth-In-Savings Disclosure
FREE CHECKING ACCOUNT
Minimum balance to open the account - You must deposit $50.00 to open this account.
Fees: There will be no monthly maintenance fee charged to this account. Other services or features added to the account will be charged according to the current NewBridge Bank Service Factors and Fees.
Features:
- Safekeeping of checks is required.
- No per check charges.
- Overdraft Protection (subject to approval).
- Free debit card or ATM card (subject to approval).
- Free ATM transactions at NewBridge Bank ATM's (ATM surcharge cannot be waived).
- Online Banking.
- Banking by Phone.
Plus Package - Plus Package benefits are available with this account. Please refer to the Plus Package information on page 13 for details.
INTEREST CHECKING ACCOUNT
Rate Information - Your interest rate and annual percentage yield may change. Determination of rate - At our discretion, we may change the interest rate on your account.
Frequency of rate changes - We may change the interest rate on your account at any time.
Compounding and crediting frequency - Interest will be compounded every day. Interest will be credited to your account the last day of your monthly statement cycle.
Minimum balance to open the account - You must deposit $100.00 to open this account.
Minimum balance to avoid imposition of fees - A maintenance fee of $8.00 will be imposed every statement cycle if the balance in the account falls below $1,000.00 any day of the cycle.
Daily balance computation method - We use the daily balance method to calculate the interest on your account. This method applies a daily periodic rate to the principal in the account each day.
Accrual of interest on noncash deposits - Interest begins to accrue on the business day you deposit noncash items (for example, checks).
Fees:
Other services or features added to the account will be charged according to the current NewBridge Bank Service Factors and Fees.
Features:
- Safekeeping of checks is required.
- NewBridge Bank will furnish "One Free Box" of basic checks per year for this account.
- Free ATM transactions at NewBridge Bank ATM's (ATM surcharge cannot be waived).
- No per check charges.
- Overdraft Protection (subject to approval).
- Online Banking.
- Banking by Phone.
Plus Package - Plus Package benefits are available with this account. Please refer to the Plus Package information on page 13 for details.
FASTFORWARD CHECKING ACCOUNT
Account opening requirements - NewBridge Bank Debit Card required.
Rate Information - Your interest rate and annual percentage yield may change. Determination of rate - At our discretion, we may change the interest rate on your account.
Frequency of rate changes - We may change the interest rate on your account at any time.
Compounding and crediting frequency - Interest will be compounded every day. Interest will be credited to your account every monthly statement cycle.
Minimum balance to open the account - You must deposit $1,000.00 to open this account.
Daily balance computation method - We use the daily balance method to calculate the interest on your account. This method applies a daily periodic rate to the principal in the account each day.
Accrual of interest on noncash deposits - Interest begins to accrue on the business day you deposit noncash items (for example, checks).
Features:
- Safekeeping of checks is required.
- No per check charges.
- One free box of basic checks per year.
- Overdraft Protection (subject to approval).
- Unlimited ATM transactions at foreign ATMs (May be subject to surcharges).
- Preferred NewBridge Bank Check 24 purchase allowance.
- Free NewBridge Bank Trust estate/financial plan review.
- Free NewBridge Bank Telephone Banking.
- Free NewBridge Bank Online.
- Free NewBridge Bank BillPay.
- Free NewBridge Bank e-Statements.
- Free Notary Public Services.
Plus Package - Plus Package benefits are available with this account. Please refer to the Plus Package information on page 13 for details.
SENIOR CHECKING ACCOUNT
(Accountholder must be 50 years of age or older)
Rate Information - Your interest rate and annual percentage yield may change. Determination of rate - At our discretion, we may change the interest rate on your account.
Frequency of rate changes - We may change the interest rate on your account at any time.
Compounding and crediting frequency - Interest will be compounded every day. Interest will be credited to your account the last day of the monthly statement cycle.
Minimum balance to open the account - You must deposit $100.00 to open this account.
Minimum balance to avoid imposition of fees - A maintenance fee of $7.00 will be imposed every statement cycle if the balance in the account falls below $700.00 any day of the cycle.
Daily balance computation method - We use the daily balance method to calculate the interest on your account. This method applies a daily periodic rate to the principal in the account each day.
Accrual of interest on noncash deposits - Interest begins to accrue on the business day you deposit noncash items (for example, checks).
Fees: Other services or features added to the account will be charged according to the current NewBridge Bank Service Factors and Fees.
Features:
- Safekeeping of checks is required.
- NewBridge Bank will furnish "One Free Box" of basic checks per year for this account.
- Free ATM transactions at NewBridge Bank ATM's (ATM surcharge cannot be waived).
- Overdraft Protection (subject to approval).
- Online Banking.
- Banking by Phone.
Plus Package - Plus Package benefits are available with this account. Please refer to the Plus Package information on page 13 for details.
RELATIONSHIP CHECKING ACCOUNT
Rate Information - Your interest rate and annual percentage yield may change. Determination of rate - At our discretion, we may change the interest rate on your account.
Frequency of rate changes - We may change the interest rate on your account at any time.
Compounding and crediting frequency - Interest will be compounded every day. Interest will be credited to your account the last day of the monthly statement cycle.
Minimum balance to open the account - You must deposit $100.00 to open this account.
Minimum balance to avoid imposition of fees - A maintenance fee of $12.00 and a per check fee of $.30 for each check will be imposed every statement cycle unless you maintain a combined daily balance of $10,000.00 for the statement cycle in a checking, money market, savings account, time deposit, active residential mortgage loan or equity line. This fee will not apply if you maintain a daily balance of $2,500.00 in a statement savings account.
Daily balance computation method - We use the daily balance method to calculate the interest on your account. This method applies a daily periodic rate to the principal in the account each day.
Accrual of interest on noncash deposits - Interest begins to accrue on the business day you deposit noncash items (for example, checks).
Features:
- Safekeeping of checks is required.
- No per check charges.
- Free personalized checks.
- Preferred rates on CD's.
- Overdraft Protection (subject to approval).
- Credit card with no annual fee (subject to approval).
- Unlimited ATM transactions at foreign ATMs (May be subject to surcharges).
- Higher ATM allowance for ATM/debit card.
- Preferred NewBridge Bank Check 24 purchase allowance.
- Free NewBridge Bank Trust estate/financial plan review.
- Official checks and traveler's checks with no issue fee.
- Free bill pay with online banking.
- Free personal-size safe deposit box (subject to availability).
Plus Package - Plus Package benefits are available with this account. Please refer to the Plus Package information on page 13 for details.
PRESIDENTIAL CHECKING ACCOUNT
Rate Information - Your interest rate and annual percentage yield may change. Determination of rate - At our discretion, we may change the interest rate on your account.
Frequency of rate changes - We may change the interest rate on your account at any time.
Compounding and crediting frequency - Interest will be compounded every day. Interest will be credited to your account the last day of the monthly statement cycle.
Minimum balance to open the account - You must deposit $100.00 to open this account.
Minimum balance to avoid imposition of fees - A maintenance fee of $25.00 will be imposed every statement cycle unless you maintain a combined daily balance of $50,000.00 for the statement cycle in a checking, money market, savings account, time deposit, active residential mortgage loan or equity line or $25,000.00 in a Raymond James account.
Daily balance computation method - We use the daily balance method to calculate the interest on your account. This method applies a daily periodic rate to the principal in the account each day.
Accrual of interest on noncash deposits - Interest begins to accrue on the business day you deposit noncash items (for example, checks).
Features:
- Safekeeping of checks is required.
- No per check charges.
- Free personalized checks.
- Preferred rates on CD's.
- Overdraft Protection (subject to approval).
- Credit card with no annual fee (subject to approval).
- Unlimited ATM transactions at foreign ATMs (May be subject to surcharges).
- Higher ATM allowance for ATM/debit card.
- Preferred NewBridge Bank Check 24 purchase allowance.
- Free NewBridge Bank Trust estate/financial plan review.
- Official checks and traveler's checks with no issue fee.
- Free bill pay with online banking.
- Free personal-size safe deposit box (subject to availability).
- Preferred Loan Rates.
- Invitations to Special Events.
- Free Notary Service.
Plus Package - Plus Package benefits are available with this account. Please refer to the Plus Package information on page 13 for details.
PLUS PACKAGE
A monthly fee of $5.00 will be automatically deducted from your NewBridge Bank account every month if the Plus Package is selected.
- Family Plan Protection
- Identity Theft Insurance with Fraud Assistance
- Card PatrolTM
- Payment Card Protection
- Document and Personal Property Registry
- Companion Airfare
- Everyday Rebate Rewards
- Everyday Grocery SavingsTM
- Savers Club®
- 50% Off Lodging Discounts
- Movie Theatre Discounts
- Theme Park Discounts
- Savings on Special Services
- Grocery Coupons
- Golf Discounts
- Luggage Protection
- Car Rental Discounts
- Hotel Savings Network Discounts
- Sojourns® Travel Magazine
- Avis®, Budget® and Dollar® Car Rental Discounts
- Rx AdvantageTM Prescription Drug Program
- NationsHealth Medical Supply Pharmacy
COLLEGE CHECKING ACCOUNT
Minimum balance to open the account - You must deposit $100.00 to open this account.
Fees: There will be no monthly maintenance fee charged to this account. Other services or features added to the account will be charged according to the current NewBridge Bank Service Factors and Fees.
Features:
- 24/7 access to your account with NewBridge Bank by Net at www.newbridgebank.com and NewBridge Bank by phone.
- Automatic Overdraft protection available (subject to approval).
- Up to 4 free foreign ATM withdrawals per month - excluding surcharges.
- Cross Account Transfers - Parents with a NewBridge Bank account can transfer funds easily into your student account. Parent must be a co-owner of your student account to make transfers.
- Free Debit Card.
ETASM CHECKING
This account is available to any individual who receives Federal benefit, wage, salary, or retirement payments.
Transaction limitations:
You may make cash withdrawals and balance inquiries at proprietary ATMs, nonproprietary ATMs, and over the counter. In addition, you may make balance inquiries by telephone or by internet. You may make on-line point-of-sale purchases, cash withdrawals, and get cash back with a purchase. ATM withdrawals and POS transactions are limited to $500.00 per day. You may not access your account in any other way.
Fees - The following fees are the only fees that apply to your NewBridge Bank ETASM account:
- A monthly fee of $3.00 will be charged each month.
- An overdraft fee of $10.00 will be charged for each overdraft, but will not exceed $10.00 for each 24-hour settlement period.
- Over-the-counter withdrawals in excess of four per month (each) - $.40
- Over-the-counter balance inquiries in excess of four per month (each) - $.40
- Withdrawals and balance inquires at nonproprietary ATMs - Refer to the NewBridge Bank Fee Schedule
Attachment - Many Federal benefit payments, including Social Security benefits, Supplemental Security Income benefits, Veteran's benefits, and Railroad Retirement benefits, are protected from attachment under Federal law. This means that your creditors do not have the right to have these funds taken out of your ETASM. There are a few exceptions, however. For example, funds in your ETASM can be taken to satisfy child support or alimony obligations you owe. If you deposit funds other than Federal benefit payments to your ETASM, your creditors may be able to have those funds taken out of your account, but your Federal benefits would still be protected. If we receive an order of attachment, garnishment, or levy, we will immediately send you a copy of the order and the name of the creditor and contact person, if any.
If you have questions about a creditor's right to remove funds from your ETASM, contact your benefit agency or your local legal services organization.
Additional information:
NewBridge Bank is required by the Department of the Treasury to ensure that your ETASM meets certain criteria and to provide you with certain disclosures about your ETASM. These obligations are set forth in an ETASM Financial Agency Agreement between NewBridge Bank and the Department of the Treasury. The text of the ETASM Financial Agency Agreement is publicly available and is published in the Federal Register at 64 FR 38510, dated July 16, 1999.
Special Rules Regarding Amendments and Termination - Generally, we will close an ETASM only if we have cause to believe fraud has occurred in connection with the account, the account has been misused, or the account ceases to be used for the receipt of eligible payments.
SUPER INTEREST CHECKING ACCOUNT
Rate Information - Your interest rate and annual percentage yield may change. Determination of rate - At our discretion, we may change the interest rate on your account.
Frequency of rate changes - We may change the interest rate on your account at any time.
Compounding and crediting frequency - Interest will be compounded every day. Interest will be credited to your account the last day of your monthly statement cycle.
Minimum balance to open the account - You must deposit $500.00 to open this account.
Minimum balance to avoid imposition of fees - A maintenance fee of $10.00 will be imposed every statement cycle if the balance in the account falls below $700.00 any day of the cycle.
Minimum balance to obtain the annual percentage yield disclosed - You must maintain a minimum balance of $1,000.00 in the account each day to obtain the disclosed annual percentage yield.
Daily balance computation method - We use the daily balance method to calculate the interest on your account. This method applies a daily periodic rate to the principal in the account each day.
Accrual of interest on noncash deposits - Interest begins to accrue on the business day you deposit noncash items (for example, checks).
Fees: Other services or features added to the account will be charged according to the current NewBridge Bank Service Factors and Fees.
Features:
- Overdraft Protection (subject to approval).
- Free debit card or ATM card (subject to approval).
- Free ATM transactions at NewBridge Bank ATMs (ATM surcharge cannot be waived).
- Online Banking.
- Banking by Phone.
MONEY MARKET ACCOUNT
Rate Information - Your interest rate and annual percentage yield may change. Determination of rate - At our discretion, we may change the interest rate on your account.
Frequency of rate changes - We may change the interest rate on your account at any time.
Compounding and crediting frequency - Interest will be compounded every day. Interest will be credited to your account the last day of the monthly statement cycle.
Minimum balance to open the account - You must deposit $50.00 to open this account.
Minimum balance to obtain the annual percentage yield disclosed - Daily balances of $1,000.00 or more will earn the current NewBridge Bank Money Market rate. Daily balances of less than $1,000.00 will earn the current NewBridge Bank Interest Checking rate.
Daily balance computation method - We use the daily balance method to calculate the interest on your account. This method applies a daily periodic rate to the principal in the account each day.
Accrual of interest on noncash deposits - Interest begins to accrue on the business day you deposit noncash items (for example, checks).
Transaction limitations: Transfers from a Money Market account to another account or to third parties by preauthorized, automatic, telephone, or computer transfer or by check, draft, or similar order to third parties are limited to six per statement cycle.
SUPER MONEY MARKET ACCOUNT
Rate Information - Your interest rate and annual percentage yield may change. Determination of rate - At our discretion, we may change the interest rate on your account.
Frequency of rate changes - We may change the interest rate on your account at any time.
Compounding and crediting frequency - Interest will be compounded every day. Interest will be credited to your account the last day of your monthly statement cycle.
Minimum balance to open the account - You must deposit $1,000.00 to open this account.
Minimum balance to avoid imposition of fees - A maintenance fee of $10.00 will be imposed every statement cycle if the balance in the account falls below $1,000.00 any day of the cycle.
Daily balance computation method - We use the daily balance method to calculate the interest on your account. This method applies a daily periodic rate to the principal in the account each day.
Accrual of interest on noncash deposits - Interest begins to accrue on the business day you deposit noncash items (for example, checks).
Transaction limitations:
Transfers from a Super Money Market account to another account or to third parties by preauthorized, automatic, telephone, or computer transfer or by check, draft, or similar order to third parties are limited to six per monthly statement cycle.
Fees: An excessive withdrawal fee of $10.00 will be charged for each debit transaction (withdrawal, check paid, automatic transfer or payment out of this account) in excess of six during a monthly statement cycle.
Fees: Other services or features added to the account will be charged according to the current NewBridge Bank Service Factors and Fees.
Features:
- Overdraft Protection (subject to approval).
- Free debit card or ATM card (subject to approval).
- Free ATM transactions at NewBridge Bank ATMs (ATM surcharge cannot be waived).
- Online Banking.
- Banking by Phone.
SAVINGS ACCOUNT
Rate Information - Your interest rate and annual percentage yield may change. Determination of rate - At our discretion, we may change the interest rate on your account.
Frequency of rate changes - We may change the interest rate on your account at any time.
Compounding and crediting frequency - Interest will be compounded every day. Interest will be credited to your account the last day of your monthly statement cycle.
Minimum balance to open the account - You must deposit $50.00 to open this account.
Minimum balance to avoid imposition of fees - A maintenance fee of $5.00 will be imposed each month if the average daily balance for the month falls below $300.00. The average daily balance is calculated by adding the principal in the account for each day of the period and dividing that figure by the number of days in the period.
Minimum balance to obtain the annual percentage yield disclosed - You must maintain a minimum balance of $10.00 in the account each day to obtain the disclosed annual percentage yield.
Daily balance computation method - We use the daily balance method to calculate the interest on your account. This method applies a daily periodic rate to the principal in the account each day. No interest will be earned on a daily basis on balances less than $10.00.
Accrual of interest on noncash deposits - Interest begins to accrue on the business day you deposit noncash items (for example, checks).
Transaction limitations: Cash withdrawals or other transfers from a Savings account are limited to three per month.
Fees: An excessive withdrawal fee of $2.00 will be charged for each withdrawal in excess of three during a month.
YOUTH SAVINGS ACCOUNT
Rate Information - Your interest rate and annual percentage yield may change. Determination of rate - At our discretion, we may change the interest rate on your account.
Frequency of rate changes - We may change the interest rate on your account at any time.
Compounding and crediting frequency - Interest will be compounded every day. Interest will be credited to your account the last day of your monthly statement cycle.
Minimum balance to open the account - You must deposit $10.00 to open this account.
Minimum balance to obtain the annual percentage yield disclosed - You must maintain a minimum balance of $10.00 in the account each day to obtain the disclosed annual percentage yield.
Daily balance computation method - We use the daily balance method to calculate the interest on your account. This method applies a daily periodic rate to the principal in the account each day. No interest will be earned on a daily basis on balances less than $10.00.
Accrual of interest on noncash deposits - Interest begins to accrue on the business day you deposit noncash items (for example, checks).
Transaction limitations: Cash withdrawals or other transfers from a Youth Savings account are limited to three per month.
Fees: An excessive withdrawal fee of $2.00 will be charged for each withdrawal in excess of three during a month.
There will be no monthly maintenance fee charged to this account.
Other services or features added to the account will be charged according to the current NewBridge Bank Service Factors and Fees.
COMMON FEATURES
Please refer to the current NewBridge Bank Service Factors and Fees schedule for additional charges that may be assessed against your account.
