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You’ve got a business. But we know you’ve also got a life.

Many people find that their business and personal goals are intertwined. So why not do both your business and personal banking with InsurBanc?

Checking and Money Market Accounts

InsurBanc has designed checking accounts and a money market account to meet the diverse needs of individuals. From there we’ve added the convenience you expect, like online banking, mobile banking and direct deposit, with one added advantage—personalized service.

All our checking accounts offer:

  • Visa® Debit Card (qualified applicants)
  • Free POS and ATM transactions (surcharges may be imposed by other financial institutions or merchants)
  • Online Banking/Bill Pay
  • Mobile Banking
  • E-statements
  • Direct Deposit
  • Free first order of 120 checks (produced by Deluxe Check Printers)

A basic account offering value and flexibility.

  • Minimum to open account is $100.00
  • No monthly service charges if:
    • A minimum average collected daily balance of $750.00 is maintained or
    • A monthly electronic direct deposit is received or
    • The account owner is 55 years or older
  • Maintenance Service Charge - $7.00 per statement cycle; $.30 per debit

Economy Checking is the right product for you if you have limited transaction requirements.

  • Minimum to open account is $100.00
  • No minimum balance requirement and allows up to 8 debits per statement cycle at no charge
  • Unlimited number of deposits at no additional charge
  • Maintenance Service Charge - $.75 per debit over eight (8) debits per statement cycle

NOW Checking offers competitive rates and unlimited check writing privileges.

  • Minimum to open account is $100.00
  • Interest will be compounded monthly and credited to your account every month. A $1,500.00 daily balance must be maintained to earn interest. Click here for current rates.
  • No monthly service charge if
    • A minimum average collected daily balance of $1,500 is maintained
  • Monthly Service Charge - $7.00 and $.30 per debit per statement cycle
  • This account is a tiered product that provides you with a higher interest rate as your balances increase. This account features limited check writing, but higher interest rate.
  • Minimum to open account is $2,500.00
  • You can make no more than six preauthorized, automatic, telephone or electronic withdrawals or transfers to another account at the same bank or to a third party during a month. This limitation includes those made by check, draft, debit card, or similar order and payable to third parties. Electronic transfers, withdrawals, or payments to third parties initiated by you from a personal computer (online banking) are also included as a type of transfer subject to the six-transaction limit.
  • Interest will be compounded monthly and credited to your account every month. A $2,500.00 daily balance is required to earn interest. Higher balances may earn higher interest rates and annual percentage yields. Click here for current rates.
  • No monthly service charge if:
    • A $2,500.00 average collected daily balance is maintained.
  • Maintenance Service Charge $10.00 per statement cycle

Savings Accounts

Whether you want to put some money away in savings, or earn a higher interest rate with a Certificate of Deposit, InsurBanc. has personal savings accounts and Certificates of Deposit to suit your needs.

All our savings accounts offer:

  • Competitive Interest Rates
  • ATM Card
  • Online Banking
  • Mobile Banking

Our Statement Savings Account can provide you with the added convenience of a combined statement option, allowing you to receive all of your checking account transactions and savings account information on one statement.

  • Minimum to open account is $100.00
  • Interest will be compounded monthly and credited to your account every month. A minimum daily balance of $200.00 is required to earn interest. Click here for current rates.
  • You can make no more than six preauthorized, automatic, telephone or electronic withdrawals or transfer to another account at the same bank or to a third party during a month. This limitation includes those made by check, draft, debit card or similar order and payable to third parties. Electronic transfer, withdrawals, or payments to third parties initiated by you from a personal computer (online banking) are also included as a type of transfer subject to the six-transaction limit.
  • No monthly service charges if
    • A $200.00 average collected daily balance is maintained or
    • The account owner is 55 years or older, or
    • Under 18 years of age
  • Maintenance Service Charge - $2.00 per month

Our High Yield Savings Account provides the convenience of a savings account with the benefit of higher interest rates for higher balances maintained. Click here for current rates.

  • Minimum to open account is $1,000.00
  • You can make no more than six preauthorized, automatic, telephone or electronic withdrawals or transfer to another account at the same bank or to a third party during a month. This limitation includes those made by check, draft, debit card, or similar order and payable to third parties. Electronic transfer, withdrawals, or payments to third parties initiated by you from a personal computer (online banking) are also included as a type of transfer subject to the six-transaction limit.
  • Interest will be compounded monthly and credited to your account every month.
  • A minimum daily balance of $1,000.00 is required to earn interest.
  • No monthly service charge if a minimum average collected daily balance of $1,000 is maintained.
  • Maintenance Service Charge - $3.00 per month

 

The solution for two of life's most important issues - health and taxes!

HSAs are part of an innovative health care strategy that can reduce insurance costs, create tax deductions, allow tax-free growth on your deposits, and even contribute to your retirement strategy- while allowing you to pay for a broad range of health care needs including dental visits, eye care, alternative medicine, and more!

We have partnered with HealthEquity, Inc., a leading HSA administrator, to provide HSA products, complete with a full suite of the latest health care support and decision tools - all designed to ensure you get the most out of your HSA. To open an HSA you are required by law to have a qualified High-Deductible Insurance Policy.

For more information about HSA’s click here, or contact us today.

 

Our CDs offer:

  • Convenient terms ranging from 3 months to 60 months.
  • 3 - 36 months: Minimum deposit required to open account is $500.00; 60 months: minimum deposit required to open account is $2,500.00
  • Interest will be compounded monthly. For your convenience, interest can be credited to your certificate each month, mailed to you by check or deposited into another Connecticut Community Bank account. Click here for current rates.
  • Accounts are automatically renewable.
  • A penalty may be imposed for early withdrawal.
  • Jumbo Certificates of Deposit ($100,000 or more) are available. Please contact us for current rate information.

We offer a variety of products to meet your individual retirement planning. Our retirement account products include Certificates of Deposit and an IRA Savings Account designed for flexible contributions.

Our IRA Certificates of Deposit offer:

  • Convenient terms from 12 months to 60 months
  • 3 - 36 months: Minimum deposit required to open account is $500.00; 60 months: minimum deposit required to open account is $2,500.00
  • Interest will be compounded monthly and credited to your account every month. Click here for current rates.
  • Accounts are automatically renewable.
  • A penalty may be imposed for early withdrawal.