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Personal Banking

Flexible. Convenient. Above All, Personal.

Making it easier to manage your money.

You don’t spend every day thinking about banking – but we do. So our personal banking products and services are designed to help you bank the way you want. We get to know our customers by name and enjoy making the banking experience a pleasant one.

Personal Checking

We believe in keeping things simple. We have a free checking and interest-bearing checking account to accommodate your banking needs.

Free Checking

A simplified solution for everyone.

  • No minimum balance
  • No monthly service charge

Interest Checking

For those with higher balances.

  • Tiered interest rates based on daily available balance
  • Earns a competitive interest rate
  • Only $1,500 average ledger balance to avoid low monthly service fee of $7

Every personal checking account comes with the following FREE services:

  • Mastercard® Debit Cards
  • Connect via Apple Pay®, Google Pay, Samsung Pay®
  • No charge for using other banks’ ATM
  • Mobile App or Online Banking
  • Bill Pay
  • No charge for incoming wires
  • E-statements available

Personal Savings

Tandem is committed to helping our community grow and flourish. An important component of financial growth and stability is savings. We offer competitive savings options.

Savings Account

  • Earns interest based on daily available balance, paid quarterly
  • 6 withdrawals per quarterly statement cycle
  • $5 charge for each debit in excess of 6 per quarterly statement cycle
  • $50 minimum balance to avoid monthly $5 service change

Money Market Account

  • Tiered interest rate based on daily available balance
  • 6 withdrawals per monthly statement cycle
  • $5 charge for each debit in excess of 6 per monthly statement cycle
  • $2,500 average daily available balance to avoid monthly $10 service charge

Certificates of Deposit

  • Flexible terms from 6 months to 5 years
  • Competitive rates for a fixed period
  • Early withdrawal penalties may apply
  • $5,000 minimum deposit to open

Savings and Money Market accounts come with the following services:

  • Easy transfers using Mobile App or Online Banking
  • No charge for incoming wires
  • E-statements available

Personal Loans

Construction and Home Improvement

For homeowners seeking to remodel or renovate an existing home or build a new home, Tandem provides construction loans tailored to fit your project. Tandem’s experienced lenders can discuss your project and recommend a structure that makes sense for you. Whether it is a small project or a major addition, we can provide the answers for financing construction and a permanent loan.

Home Equity Line of Credit

If you need to finance home repairs or renovations, college expenses, unexpected expenses, or plan your dream vacation, using the equity in your home could be an alternative to using other higher-interest rate financing options. A home equity line of credit (HELOC) is a great way to pay for expenses as they arise.

Tandem Bank NMLS #1906962

Personal Credit Card

Consumer Card

Provide you with a convenience way to manage everyday expenses and earn cash back.

Personal Credit Card

Benefits

  • Track purchases on itemized statements
  • Make purchases around the world
  • Manage payment options and transactions online
  • Set account alerts to track payments and balances online
  • Earn a full 1% cash back on everything you buy
  • 0% APR on purchases and balance transfers for the first 7 billing cycles after account opening
  • Card options:
    • Platinum Card with Cash Back Rewards – 1% cash back with a $35 annual fee
    • Platinum Card – no annual fee

Tandem Bank credit cards are issued by ServisFirst Bank. All credit cards are subject to credit approval.

Personal Checking

Personal Checking

We believe in keeping things simple. We have a free checking and interest-bearing checking account to accommodate your banking needs.

Free Checking

A simplified solution for everyone.

  • No minimum balance
  • No monthly service charge

Interest Checking

For those with higher balances.

  • Tiered interest rates based on daily available balance
  • Earns a competitive interest rate
  • Only $1,500 average ledger balance to avoid low monthly service fee of $7

Every personal checking account comes with the following FREE services:

  • Mastercard® Debit Cards
  • Connect via Apple Pay®, Google Pay, Samsung Pay®
  • No charge for using other banks’ ATM
  • Mobile App or Online Banking
  • Bill Pay
  • No charge for incoming wires
  • E-statements available
Personal Savings

Personal Savings

Tandem is committed to helping our community grow and flourish. An important component of financial growth and stability is savings. We offer competitive savings options.

Savings Account

  • Earns interest based on daily available balance, paid quarterly
  • 6 withdrawals per quarterly statement cycle
  • $5 charge for each debit in excess of 6 per quarterly statement cycle
  • $50 minimum balance to avoid monthly $5 service change

Money Market Account

  • Tiered interest rate based on daily available balance
  • 6 withdrawals per monthly statement cycle
  • $5 charge for each debit in excess of 6 per monthly statement cycle
  • $2,500 average daily available balance to avoid monthly $10 service charge

Certificates of Deposit

  • Flexible terms from 6 months to 5 years
  • Competitive rates for a fixed period
  • Early withdrawal penalties may apply
  • $5,000 minimum deposit to open

Savings and Money Market accounts come with the following services:

  • Easy transfers using Mobile App or Online Banking
  • No charge for incoming wires
  • E-statements available
Personal Loans

Personal Loans

Construction and Home Improvement

For homeowners seeking to remodel or renovate an existing home or build a new home, Tandem provides construction loans tailored to fit your project. Tandem’s experienced lenders can discuss your project and recommend a structure that makes sense for you. Whether it is a small project or a major addition, we can provide the answers for financing construction and a permanent loan.

Home Equity Line of Credit

If you need to finance home repairs or renovations, college expenses, unexpected expenses, or plan your dream vacation, using the equity in your home could be an alternative to using other higher-interest rate financing options. A home equity line of credit (HELOC) is a great way to pay for expenses as they arise.

Tandem Bank NMLS #1906962

Credit Cards

Personal Credit Card

Consumer Card

Provide you with a convenience way to manage everyday expenses and earn cash back.

Personal Credit Card

Benefits

  • Track purchases on itemized statements
  • Make purchases around the world
  • Manage payment options and transactions online
  • Set account alerts to track payments and balances online
  • Earn a full 1% cash back on everything you buy
  • 0% APR on purchases and balance transfers for the first 7 billing cycles after account opening
  • Card options:
    • Platinum Card with Cash Back Rewards – 1% cash back with a $35 annual fee
    • Platinum Card – no annual fee

Tandem Bank credit cards are issued by ServisFirst Bank. All credit cards are subject to credit approval.