Personal Banking

Personal Banking That Makes a Difference

Amalgamated Bank offers personal banking, with a focus on social responsibility, environmental sustainability, and financial accessibility. Personal banking products include checking, savings, and credit card accounts, and Certificates of Deposit (CDs). Each of these support values-based banking initiatives, so you can Bank on Impact.

Everyday Banking Solutions

Explore our personal banking products and see how the benefits can impact you and the issues that matter to you.

Personal

Maximum Impact Checking™

A powerful checking account that includes more benefits and perks.

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$100 Minimum opening deposit

$0 monthly maintenance fee¹

Earns interest

Includes check writing

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Amount	Interest rate	APY^*
$0 - $499.99	0.10%	0.10%
$500 - $999.99	0.10%	0.10%
$1,000+	0.30%	0.30%

^* APY means Annual Percentage Yield

Rates effective as of 12/11/2025. This is a variable rate account. The rates may change after the account is opened. Fees may reduce earnings. Advertised rate and APY are offered at the Bank’s discretion and may change daily.

Personal

1-Year CD

Access a competitive rate when you open a 1-year CD account designed to accelerate your growth. Once your CD^2,3 is opened, your interest rate within your chosen term is guaranteed.

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3.15% APY*

$500 minimum deposit⁴

FDIC insured⁵

Competitive rate

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Term^1,2	Amount³	Interest rate	APY^*
1 year	$500-$249,999.99	3.15%	3.15%

^*APY means Annual Percentage Yield. Rates effective as of 12/11/2025. APY is subject to change without notice. Rate is fixed for the term at funding.

¹At the Bank’s option, the renewal term may be different from the original term of your Time Deposit; you will have ten calendar days after the maturity date to withdraw your funds without Bank penalty.

²Early withdrawal penalties apply when you withdraw funds before the maturity date. If the amount of the penalty exceeds the amount of the accrued interest, we will deduct the excess penalty amount from the principal balance. Please be advised that a request to close a Certificate of Deposit may take up to two business days following the day of request for all new customers. No withdrawals will be allowed during this time. A new customer is considered new if each customer on the account has not had a prior relationship with the bank within the last 30 calendar days.

³There is a maximum opening deposit capability of $249,999.99 if CD account is opened online, if opened in branch there is no opening deposit restrictions.

Personal

Maximum Impact Savings™

Kick-start your savings with no monthly maintenance fees and variable tiered interest rates based on your account balances.

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$100 Minimum opening deposit

No monthly maintenance fee

Earns interest

Tiered interest rate

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Amount	Interest rate	APY^*
$0 - $99.99	0.11%	0.11%
$100+	1.05%	1.05%

* APY means Annual Percentage Yield
Rates effective as of 12/11/2025. This is a variable rate account. The rates may change after the account is opened. Fees may reduce earnings. Advertised rate and APY are offered at the Bank’s discretion and may change daily.

Digital and Mobile Banking

Bank on your schedule with digital banking and enjoy features like 24/7 account access, mobile check deposit, secure bill payments, and more. Enroll through Amalgamated Bank's website or mobile banking platforms, so you can secure online access to your accounts anytime, anywhere.

With digital banking, you can access your checking account, savings account, credit cards, personal loans, and more. View your accounts, transfer funds, and pay bills.
With mobile banking, you can also deposit checks and receive real-time account alerts.

Create Your Dream Future with Investment Planning

Amalgamated Bank will help you build an investment plan that meets your goals and fits your budget. Our experts will focus on your unique circumstances to guide you toward investments that align with your short and long-term financial goals. We'll help you strike a balance between risk and return, so that you can invest with confidence.

Why Choose Amalgamated for Your Personal Banking?

Amalgamated Bank provides services for socially conscious individuals, union members, non-profit employees, and advocacy-driven professionals, as well as anyone interested in ethical and impact banking.

While you gain access to comprehensive personal products and services, your money aligns with environmental, social, and governance (ESG) values. You'll be part of a community that encourages values-aligned banking, supporting affordable housing, community development, and sustainability.

Banking That Works for You

24/7 Access to Funds

We're the Bank that stays out of your way. With our online and mobile banking⁶ tools, you get easy access to your funds from anywhere at any time.

Robust ATM Network

Get access to more than 40,000 surcharge-free Allpoint^® ATMs⁷and cash deposit accepting Allpoint+^® ATMs⁸nationwide

Mission-Driven Banking

Make a big difference just by banking with a Bank built on impact.

* APY means Annual Percentage Yield

¹$0 monthly maintenance fee with a qualified direct deposit or $10 if no direct deposit. A qualifying direct deposit is an electronic deposit of your salary, pension, Social Security, or other recurring monthly income to your account. Transfers from one account to another, or deposits made at a branch location, ATM, or through a mobile device, do not qualify as a direct deposit. The monthly service fee will be waived for the first statement cycle to allow you to receive direct deposit to your account. After the first statement cycle, the monthly service fee will be assessed unless your account received direct deposit.

² At the Bank’s option, the renewal term may be different from the original term of your Time Deposit; you will have ten calendar days after the maturity date to withdraw your funds without Bank penalty.

³ Early withdrawal penalties apply when you withdraw funds before the maturity date. If the amount of the penalty exceeds the amount of the accrued interest, we will deduct the excess penalty amount from the principal balance. Please be advised that a request to close a Certificate of Deposit may take up to two business days following the day of request for all new customers. No withdrawals will be allowed during this time. A new customer is considered new if each customer on the account has not had a prior relationship with the bank within the last 30 calendar days.

⁴There is a maximum opening deposit capability of $249,999.99 if CD account is opened online, if opened in branch there is no opening deposit restrictions.

⁵The Federal Deposit Insurance Corporation (FDIC) grants deposit insurance of $250,000 per account title. You may also qualify for more than $250,000 in FDIC coverage at Amalgamated Bank if you have single accounts, joint accounts, Individual Retirement Accounts and trust accounts.

⁶ Your mobile carrier’s message and data rates may apply.

⁷Fees may apply for non-Amalgamated, non-Allpoint^®and international ATM transactions.

⁸ Allpoint+^®ATMs may not be available in all states.

Maximum Impact Checking™ and Maximum Impact Savings™ are trademarks of Amalgamated Bank.