2 - $100.00 opening deposit required. If the combined balance falls below $20,000 on any day in the statement cycle there will be a $12.00 Gold NOW minimum balance fee. Accounts combined in the total include Checking, Savings, Time accounts (CDs), Retirement Accounts, Auto, HELOC, Jr Home Equity, FSB Credit Cards and qualifying outstanding personal loans. One account per household. Account subject to change. See Bank or TIS for more details.