Current Rates
Physician Bank Deposit Products
CHECKING ACCOUNTS
Payroll Plus CHECKING
Earn 4.04% APY2 with our highest interest-bearing checking account when qualifications are met.
$100 minimum opening deposit – interest compounds monthly.
Payroll Plus Rates effective as of March 1, 2025.
| Qualifying Balances | Annual Percentage Yield |
| $0.01 – $100,0001 | 4.04% APY2 (Interest Rate: 3.97%) |
| $100,000.01 and greater1 | 4.04% – 0.89% APY2 (Interest Rate: 0.14%) |
| Non-qualifying balances | 0.05% APY2 |
eCENTIVE CHECKING
Checking & debit card account with high interest rates when qualifications are met.
$100 minimum opening deposit – interest compounds monthly.
eCentive rates effective as of March 1, 2025.
| Qualifying Balances | Annual Percentage Yield |
| $0.01 – $100,0001 | 2.02% APY2 (Interest Rate: 2.00%) |
| $100,000.01 and greater1 | 2.02% – 0.89% APY2 (Interest Rate: 0.14%) |
| Non-qualifying balances | 0.05% APY2 |
Savings ACCOUNT
Jumbo Deposit
Our Jumbo Deposit account is an interest-bearing, high-yield savings account with flexible options to ensure deposits beyond the standard FDIC limit can be insured.
$1000 minimum opening deposit – interest compounds monthly.
Jumbo Deposit rates effective as of March 1, 2025.
| Qualifying Balances | Annual Percentage Yield |
| $2,000,000 +1 | 3.51% APY2 (Interest Rate: 3.45%) |
| $230,000 +1 | 3.02% APY2 (Interest Rate: 2.98%) |
| $0.01 – $100,0001 | 2.04% APY2 |
| Non-qualifying balances | 1.01% APY2 |
Certificate of Deposit
| Term | $2,000 Min. Balance3 for APY2 | $25,000 Min. Balance3 for APY2 | $75,000 Min. Balance3 for APY2 |
| 6 Month (Interest Rate) | 2.85% APY2 (2.83%) | 2.85% APY2 (2.83%) | 2.85% APY2 (2.83%) |
| 12 Month | 3.50% APY 2 | 3.50% APY 2 | 3.50% APY 2 |
Health Savings Account
Physician HSA
Designed for use with a high deductible health plan.
$30 minimum opening deposit ~ interest compounds monthly.
Health Savings Account rates effective as of March 1, 2025.
| Qualifying Min. Balances | Annual Percentage Yield |
| $5,000 | 3.02% APY2 |
| $.01 to $4,999.99 | 1.01% APY2 |
1 Must meet monthly requirements to receive qualifying interest rates. Once you meet the monthly qualifications, interest will be recalculated at the appropriate interest rate and eligible fees will be refunded.
2 APY = annual percentage yield. Fees may reduce earnings. Interest rate may change after the account is opened.
3 Minimum balance to open the account and to obtain the stated APY.
