Open an Account

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Account Opening Overview

From the CD management section, customers can open new deposit accounts without leaving online banking. Four account types are available:

• Certificate of Deposit (CD) — fixed-term savings with a guaranteed rate and APY
• Checking — everyday transaction accounts with no or minimal fees
• Savings — basic interest-bearing savings accounts
• Money Market — higher-minimum accounts with competitive rates

Select the account type you want to open from the options page. Each flow follows the same pattern: choose a product, fund it from an existing account, authorize the transfer, and receive a confirmation.

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Opening a Certificate of Deposit

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Step 1 — Select a CD term

The Certificate of Deposit Account Types screen lists all available CD terms along with their APY, interest rate, and minimum balance. Click Open on the term you want to open.

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Step 2 — Fund your new CD

The Certificate of Deposit Open Options screen displays the selected CD details at the top. In the Fund your new certificate of deposit section:

• Select funding account — choose the source account from the dropdown
• Funding amount — enter the amount to deposit (must meet the minimum balance)
• Check the I accept the Terms and Conditions checkbox

Fill in the funding account and amount, then accept the Terms and Conditions. Click Submit when ready.

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Step 3 — Transfer Authorization

A Transfer Authorization modal summarises the funding transaction before it is submitted. Review the details: Click Submit to confirm, or Cancel to go back and make changes.

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Step 4 — Success

A Success confirmation modal confirms your new CD has been funded. Click Close to return to the dashboard. Your new CD will appear in the Certificate of Deposit Management list.

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Opening a Checking Account

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Step 1 — Select a checking account type

The Checking Account Types screen shows all available checking products. Click Open on the account type you want.

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Step 2 — Fund your new checking account

The Checking Account Open Options screen displays the selected account details at the top. Fill in:

• Select funding account — choose the source account from the dropdown
• Funding amount — enter the initial deposit amount
• Check the I accept the Terms and Conditions checkbox

Click Submit when ready.

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Step 3 — Transfer Authorization

A Transfer Authorization modal confirms the funding details before submission. Click Submit to confirm.

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Step 4 — Success

A Success modal confirms the checking account has been funded. Click Close to return to the dashboard. You can manage your new checking account from the Accounts section of online banking.

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Opening a Savings Account

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Step 1 — Fund your new savings account

The Savings Account Open Options screen displays the Savings Account details and a funding form. Fill in:

• Select funding account — choose the source account from the dropdown
• Funding amount — enter the initial deposit (minimum balance is $0.00)
• Check the I accept the Terms and Conditions checkbox

Click Submit when ready.

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Step 2 — Transfer Authorization

A Transfer Authorization modal shows the funding summary. Click Submit to confirm.

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Step 3 — Success

A Success modal confirms the savings account has been funded. Click Close to return to the dashboard.

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Opening a Money Market Account

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Step 1 — Fund your new money market account

The Money Market Account Open Options screen displays the account details and a funding form. Fill in:

• Select funding account — choose the source account from the dropdown
• Funding amount — enter the initial deposit (minimum balance is $250.00)
• Check the I accept the Terms and Conditions checkbox

Click Submit when ready.

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Step 2 — Transfer Authorization

A Transfer Authorization modal shows the funding summary. Click Submit to confirm.

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Step 3 — Success

A Success modal confirms the money market account has been funded. Click Close to return to the dashboard.

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Note After any successful account opening, an alert notification confirmation is sent to the customer. If a funding transfer fails — for example, if the source account has insufficient funds — an error message is displayed and no account is created.