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OPEN YOUR ACCOUNT ONLINE
IT'S QUICK AND EASY

Atlantic Coast Bank makes it easy to open your account when it’s convenient for you.  Here are the accounts you can open right now from your computer:

High Tide Free Checking Account*

$0-$20,000.00 $20,000.00 + Non-qualifying Rewards
0.60% 0.30% 0.05%
0.60% 0.30% 0.05%
Monthly Monthly Monthly


Sunrise Saver (Offered exclusively with High Tide Rewards account – they work together)*

$0.01-$100,000.00 $100,000.00 + Non-qualifying Rewards
0.50% .30% 0.05%
0.50% .30% 0.05%
Monthly Monthly Monthly


iClub Accounts Saving Accounts††

iVacation iChristmas
0.20% 0.20%
0.20% 0.20%
Monthly Monthly



iCertificates of Deposit***

i6 Month i12 Month i24 Month i36 Month
Annual Percentage Yield 0.45% 0.45% 0.76% 1.015%
0.45% 0.45% 0.76% 1.01%
Monthly Monthly Monthly Monthly


iMoney Market Account - under $50K†

$.01-$2,499 $2,500-$9.999 $10,000-$24,999 $25,000-$49,999
0.00% 0.20% 0.30% 0.40%
0.00% 0.20% 0.30% 0.40%
Monthly Monthly Monthly Monthly

iMoney Market Account -over $50K†

$50,000-$74,999 $75,000-$99,999 $100,000+
0.45% 0.50% 0.50%
0.45% 0.50% 0.50%
Monthly Monthly Monthly


You can also signup for additional services for your new account, like eStatements.

*Annual Percentage Yield (APY) accurate as of 09/20/13 and are subject to change.  Minimum to open account is $100 for High Tide Rewards and $5 for Sunrise Savings.  High Tide Rewards rate tiers are as follows: 0.60% APY applies to balances of $.01 - $20,000 and 0.30% APY applies to balances over $20,000 as long as qualifications are met each statement cycle. 0.05% APY applies to all balances if qualifications are not met.  All balances will earn 0.60% - 0.30% on all balances as long as qualifications are met.  Sunrise Savings rate tiers are as follows: 0.50% APY applies to balances of $.01 - $100,000 and 0.30% APY applies to balances over $100,000 as long as qualifications are met each statement cycle on High Tide Rewards account. 0.05% APY applies to all balances if qualifications are not met on High Tide Rewards.  Fees may reduce earnings.  Foreign ATM fee refunds up to $25 per statement cycle.  Each customer is limited to only one High Tide Rewards and one Sunrise Savings account.

APY is as of 10/1/2010 and may change at any time at our discretion.  There is no minimum balance to earn the stated APY. $5.00 minimum opening deposit. A checking account with Atlantic Coast Bank and a periodic allotment or direct deposit into the account is required. The maturity date of the Christmas Club account is November 15. The balance in this account will be transferred to your checking account annually on November 15. The maturity date of the Vacation Club account is April 1st. The balance in this account will be transferred to your checking account annually on April 1st. Club accounts will remain open until closed by the owner.

***CD Rates are current as of 4/01/2014 and subject to change without notice. Minimum balance to open
and to earn the APY is  $1,000. Penalty may be imposed for early withdrawal.

†Money Market interest rates are current as of 2/13/2012 and subject to change without notice. Interest is compounded and credited monthly. Rates based on a minimum initial deposit of $2,500. A minimum daily balance of $2,500 is required to avoid a maintenance fee for the earning period. Excess Transaction fee of $10.00 per withdrawal if more than six (6) per month or after 3 withdrawals by check or draft.
Please contact Atlantic Coast Bank at 800.342.2824 for additional information about applicable fees and terms.