Flexible. Convenient. Above All, Personal.
Personal Banking
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
- $50 minimum deposit to open
- There is a charge of $3.00 monthly for mailing paper statements. You can avoid this charge by signing up for E-statements.
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
- $50 minimum deposit to open
- There is a charge of $3.00 monthly for mailing paper statements. You can avoid this charge by signing up for E-statements.
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
- $50 minimum deposit to open
- There is a charge of $3.00 monthly for mailing paper statements. You can avoid this charge by signing up for E-statements.
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
- $50 minimum deposit to open
- There is a charge of $3.00 monthly for mailing paper statements. You can avoid this charge by signing up for E-statements.
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.

Benefits
- Manage expenses 24/7 through ServisFirst Card Manager
- Make purchases around the world
- Contactless and Mobile Wallet enabled
- Take advantage of managing your personal card on the go with our new Mobile app, CardValet®
- 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
- $50 minimum deposit to open
- There is a charge of $3.00 monthly for mailing paper statements. You can avoid this charge by signing up for E-statements.
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
- $50 minimum deposit to open
- There is a charge of $3.00 monthly for mailing paper statements. You can avoid this charge by signing up for E-statements.
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
- $50 minimum deposit to open
- There is a charge of $3.00 monthly for mailing paper statements. You can avoid this charge by signing up for E-statements.
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
- $50 minimum deposit to open
- There is a charge of $3.00 monthly for mailing paper statements. You can avoid this charge by signing up for E-statements.
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.
Benefits
- Manage expenses 24/7 through ServisFirst Card Manager
- Make purchases around the world
- Contactless and Mobile Wallet enabled
- Take advantage of managing your personal card on the go with our new Mobile app, CardValet®
- 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.