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Business Spotlight
Tindall & Ranson
Meet Kevin Tindall, President of Tindall & Ranson Plumbing, Heating & Air Conditioning, Inc speak about his great experience banking with FCB over the years. Tindall & Ranson proudly serves the following areas in Mercer County, New Jersey: Princeton, West Windsor, East Windsor, Allentown, Robbinsville, Plainsboro, Pennington, Hopewell, Cranbury, Lawrenceville, Upper Freehold, Hamilton, Montgomery Township, Monroe, South Brunswick and Belle Mead.
First Commerce Bank Person of the Week
Melissa A. Zobel
Melissa Zobel is the Retail Regional Manager for Central NJ Locations at First Commerce Bank. With 25 years of experience in the banking industry, Melissa's career began as a part-time teller and evolved through various roles, including weekend supervisor, CSR, Head Teller, Assistant Branch Manager, Manager, and Market Manager.
Melissa believes in the core values of "Do the job you want, not the job you have" and "Don't forget where you came from or started at." She continues to inspire and lead with integrity.
Read Bio*When an institution states a rate of return in an advertisement, the rate must be identified as an “annual percentage yield” (using that term). No other term can be used except for “interest rate,” provided it is stated in conjunction with the annual percentage yield.
- The abbreviation “APY” may be used if the term “annual percentage yield” is stated at least once in the advertisement. Often, advertisements will use the abbreviation in the text of the advertisement and direct the consumer to the bottom of the advertisement for the expansion of the abbreviation.
Additional Disclosures
If the annual percentage yield is stated in an advertisement, §1030.8(c) requires that the following additional disclosures be made clearly and conspicuously:
- Variable rates: For variable-rate accounts, a statement that the rate may change after the account is opened.
- Time annual percentage yield is offered: The period of time the annual percentage yield will be offered or a statement that the annual percentage yield is accurate as of a specified date.
- Minimum balance: The minimum balance required to obtain the advertised annual percentage yield. For tiered-rate accounts, the minimum balance required for each tier shall be stated in close proximity and with equal prominence to the applicable annual percentage yield.
- Minimum opening deposit: The minimum deposit required to open the account, if it is greater than the minimum balance necessary to obtain the advertised annual percentage yield.
- Effect of fees: A statement that fees could reduce the earnings on the account.
- Features of time accounts: For time accounts:
- Time requirements: The term of the account.
- Early withdrawal penalties: A statement that a penalty will or may be imposed for early withdrawal.
- Required interest payouts: For noncompounding time accounts with a stated maturity greater than one year that do not compound interest on an annual or more frequent basis, that require interest payouts at least annually, and that disclose an APY determined in accordance with section E of Appendix A of the regulation, a statement that interest cannot remain on deposit and that payout of interest is mandatory.
- Relationship Savings account (Both Personal and Business have the same 4.00% APY)
- Annual Percentage Yield (APY) listed is available as of March 17, 2025. Minimum deposit to open a Relationship Savings account is $1,000.00. If unable to maintain a daily balance of $1,000.00, a $10.00 monthly maintenance fee will be imposed. Interest rates are subject to change at any time without prior notice before or after the account is opened. Fees may reduce earnings on this account. Some restrictions apply.
- Relationship Money Market account (Both Personal and Business have the same 3.50% APY)
- Annual Percentage Yield (APY) listed is available as of January 17, 2025. Minimum deposit to open Relationship Money Market account is $1,000.00. If unable to maintain a daily balance of $25,000.00, a $15.00 monthly maintenance fee will be imposed. Minimum deposit to open Business Relationship Money Market account is $1,000.00. If unable to maintain a daily balance of $50,000.00, a $15.00 monthly maintenance fee will be imposed. Interest rates are subject to change at any time without prior notice before or after the account is opened. Fees may reduce earnings on this account. Some restrictions apply.
- 12-month CD (4.15% APY)
- Annual Percentage Yield (APY) listed is available as of February 28, 2025. APY assumes that principal and interest will remain on deposit at the same rate until maturity. CD will automatically renew on maturity at the current published FCB APY for that term. Minimum deposit to open certificate and obtain stated APY is $1,000.00. A penalty will be assessed for early withdrawal and could reduce earnings on this account.
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