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Personal Savings

Money Market Accounts

 

Regent Money Market   

  • Market Rate Earnings
  • Minimum Balance required is $2,500.00
  • Minimum to open is $2,500.00
  • Required average collected balance is $2,500.00
  • Monthly Maintenance Fee is $6.00 (if below average collected balance)
  • Monthly check limit of 6 (Subject to Regulation D)
  • Excessive withdrawal fee is $3.00 per item
  • Customer receives copies of their checks on their statement
    • Does not Include Overdraft Protection

 

Regent Premium Money Market

  • Interest Bearing
  • Minimum Balance required is $50,000.00
  • Minimum to open $50,000.00
  • Monthly Maintenance Fee is $10.00 (if balance falls below $50,000.00)
  • Monthly check writing limit is 6 (Subject to Regulation D)
  • Excessive withdrawal fee is $3.00 per debit
  • Customer receives copies of their checks on their statement
    • Does not Include Overdraft Protection

Savings Accounts

 

Regent Savings 

Use Regent’s Savings Account to save for a vacation, a new car, or any special purpose.   
  • Minimum to open $100.00
  • 6 Withdrawals allowed per month (Subject to Regulation D)
  • No Monthly Maintenance Fee
  • Excessive withdrawal fee is $3.00
  • No interest accrued on balances below $100.00
  • No interest paid if account is closed between cycles

 

Regent Kid’s Club

Learning the value of money at an early age is important to educating children.   
  • For ages birth – 12 years 
  • Minimum to open only $5 
  • Receive Regent piggy bank upon opening 
  • Withdrawals allowed per month 6 
  • Quarterly statements   

 

Regent Christmas Club   

Save year-round for holiday expenses with Regent’s Christmas Club. Christmas Club begins in November and ends in October of the following year.    

Certificates of Deposit

Invest your money today in a CD from Regent Bank. With a minimum deposit your money can be earning interest at the current  fixed rate. The choice is yours. 
  • Minimum deposit of $1,000.00
  • Interest at a current fixed rate (as stated on Regent Bank website)
  • Terms:
    • 1 months
    • 2 months
    • 3 months
    • 6 months
    • 12 months
    • 18 months
    • 24 months
    • 36 months
    • 48 months
    • 60 months
  • Penalty Ranges:
    • 1 Month CD – 7 Day Interest Penalty
    • 2 – 3 Month CD – 30 Day Interest Penalty
    • 6 – 12 Month CD – 3 Month Interest Penalty
    • 18 – 60 Month CD – 6 Month Interest Penalty

IRA Accounts

Individual Retirement Account (IRA)

IRAs are a great way to get a head start on your retirement. Investing in an IRA from Regent allows your money to be tax deferrable until time of withdrawal. If you are under age 70½ and have an earned income, then an IRA could be the investment of a lifetime, for a lifetime. Terms and Conditions   
  • Terms:
    • 3 months
    • 6 months
    • 12 months
    • 18 months
    • 24 months
    • 36 months
    • 48 months
    • 60 months
  • Penalty Ranges:
    • 3 Month IRA – 1 Month Interest Penalty
    • 6 – 12 Month IRA – 3 Month Interest Penalty
    • 18 – 60 Month IRA – 6 Month Interest Penalty

In addition to Regent Bank retirement account penalties and tax consequences, the IRS imposes a 10% penalty on most withdrawals from IRAs before turning 59 1/2.

  • Minimum deposit of $500.00
    • Must be 59 ½ to avoid early withdrawal penalty
  • Withdrawals over the age of 70 ½:
    • Required minimum distribution – RMD – No charge
    • Automatic Withdrawals – no charge
    • All other withdrawal requests - $5 per withdrawal
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