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Here at Eastern Michigan Bank, we realize managing your cash can be a real balancing act. You need to maintain reasonable access to your funds, but want to be able to put your excess cash to work earning interest as well. We understand your needs and offer a variety of products to best suit them.

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Money Market

of Deposit (CD)

Savings (HSA)

Minimum Opening Deposit





Min. Balance Requirements

$100 avg daily

$2,500 min daily

Monthly Service Charge



Earns interest

Interest Rate Tiers

4 tiers, see below

4 tiers, see below

Min. Balance to Earn Interest



Extra Debit Transactions



ATM/Debit Card

Online Banking

Telephone Banking

Additional Benefits

Check writing privileges

Terms from 2-5 years

Tiered rates as follows:

  • $100,000 - $100,000 +
  • $25,000 - $99,999
  • $2,500 - $24,999
  • $0 - $2,499

Public Funds

Eastern Michigan Bank offers specific account solutions for our customers who handle public funds. If you are a state or federal government agency or local county, city, village or township, please contact your local branch for more information.

*Waived if you have direct deposit or are at least 62

**Debit card subject to approval

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