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Checking Accounts
Bank 360 has a checking account to suit your individual money management needs. Each of our four checking options offer a slightly different approach to interest earnings, service charges, minimum balance, and banking extras.
360 Free Checking:
- No monthly service fees
- No minimum balance required
- Same day and real time deposits
- Debit card available
- No per check charges
- Direct deposit available
Full Circle Checking:
Learn more about the Full Circle Benefits
- $10,000 Accidental Death Insurance
- Identity Theft Insurance
- Travel discount book - Savers Club Book
- Everyday rebate rewards
- Cash Rewards
- Free Duplicate Checks
- Debit card available
- All this, plus much more, for just a minimal fee per month.
- Interest paid on all balances. No minimum balance required.
360 Money Market Deposit:
- GREAT RATES! The higher your balance, the higher your interest rate.
- No minimum balance required
- No monthly service charges
- Unlimited internal transfers
- No per check fees (unless more than three checks per month)
- Six transactions per month (three pre-authorized)
- $1,000 opening balance on Money Market Deposit required.
Full Circle Business Checking:
At Bank 360, we realize that banking requirements for each business can vary. We have the banking services you need whether you are a fledgling business, a sole proprietor, an established company, or part of a corporate organization.
Our business accounts are flexible, easy to understand, and easy to use allowing you to focus on your business.
Savings Account
Bank 360 savings plans help you make the most of your financial resources. Each account offers a different approach to interest rates, deposits & withdrawals, and investment terms. In addition to our FDIC-insured accounts, we also have other non-insured investments through Invest 360 Investment services (retirement savings) available.
360 Classic:
A GREAT way to save! Our Classic Savings Accounts offers a low minimum balance of $100 and interest is compounded quarterly. You will also receive a quarterly statement detailing your transactions.
360 Savings:
Our Statement Savings Account has a $100 minimum balance and pays interest monthly. You will also receive a monthly statement detailing your transactions. For additional customer convenience, you can have direct deposit or automatic withdrawals from this account. It’s the perfect way to insure that you are saving for the future.
360 Student Savings:
Savings Accounts teach our youth to start saving at an early age. This account can be opened with as little as $5.00 with no minimum balance and is compounded quarterly.
Certificates of Deposit (CDs):
Bank 360 offers a variety of terms from three months to five years. Our CD’s deliver a competitive rate of interest.
Retirement Savings
Individual Retirement Accounts:
Taxpayers under the age of 70 1/2 who have earned income can contribute to a traditional Individual Retirement Account (IRA), even if they are covered by an employer’s retirement plan, thereby allowing the taxpayer’s funds to grow faster on a tax-deferred basis. The contributions may or may not be tax-deductible. The spouse is also eligible for an equal contribution.
SEP IRA Accounts:
Self-employed individuals and small business owners who wish to contribute funds for the owner’s and employees’ retirement can establish a Simplified Employee Pension (SEP) Plan. The funds will grow on a tax-deferred basis.
IRA Rollover Accounts:
Distributions received from a qualified retirement plan can be contributed or “rolled over” into a Rollover Individual Retirement Account preserving the tax-deferred benefits of funds.
- NOTICE OF CHANGES IN TEMPORARY FDIC INSURANCE COVERAGE FOR TRANSACTION ACCOUNTS All funds in a “noninterest-bearing transaction account” are insured in full by the Federal Deposit Insurance Corporation from December 31, 2010, through December 31, 2012. This temporary unlimited coverage is in addition to, and separate from, the coverage of at least $250,000 available to depositors under the FDIC’s general deposit insurance rules. The term “noninterest-bearing transaction account” includes a traditional checking account or demand deposit account on which the insured depository institution pays no interest. It does not include other accounts, such as traditional checking or demand deposit accounts that may earn interest, NOW accounts, money-market deposit accounts. All funds in a “noninterest-bearing transaction account” and Interest on Lawyers Trust Accounts (“IOLTAs”) are insured. -