• $500 minimum opening balance
• $12 monthly service charge ONLY if balance falls below $500
• Unlimited check writing
• First 50 checks free (basic style)
• Overdraft services available
• FastBanking (24-hour telephone banking)
• Internet Banking
• Internet Banking with Bill Pay
• Visa Debit /ATM Card*
• Free transactions at Clifton Savings Bank ATMs
• Images of paid checks included in monthly statement

• $2,500 minimum opening balance
• Competitive tiered interest rates
• Tier 1- .01- $2,499 minimum balance to earn stated APY
• Tier 2 - $2,500+ minimum balance to earn stated APY
• $10 monthly service charge ONLY if balance falls below $1,000
• 6 transfers per month
• Unlimited in-person withdrawals & ATM transactions
• Free checks (basic style)
• FastBanking (24-hour telephone banking)
• Internet Banking
• Visa Debit /ATM Card*
• Free transactions at Clifton Savings Bank ATMs
• Images of paid checks included in monthly statement

• Your bank deposits are not only safe with us, they're covered by FDIC deposit insurance up to the maximum allowable by law.
• If you have $250,000 or less in combined Clifton Savings deposits, you do not need to worry about insurance coverage - your deposits are insured through December 31, 2013.
• The FDIC has implemented a new program for participating institutions that will provide full deposit insurance coverage for all funds in non-interest-bearing transaction deposit accounts through December 31, 2009.
• If you have more than $250,000 in deposits with us, your funds may still be insured depending on the type of account you have and the ownership category.

• In general, business accounts receive $250,000 in FDIC deposit insurance coverage, including municipalities.
• Funds owned by a business that is a sole proprietorship are not insured under this category; they are insured as the single account funds of the person who is the sole proprietor.

Or access the Electronic Deposit Insurance Estimator (EDIE), an online tool that provides customized information about your insured accounts. The estimator is located at: www.myfdicinsurance.gov, or you may call the FDIC toll-free at: 877-ASK-FDIC.