title = "Account Types Overview"

content = """
Silvergate Community Bank offers a range of deposit accounts designed to meet the
diverse needs of individuals, families, and small businesses. Understanding the
features, benefits, and requirements of each account type enables accurate
customer guidance.

**Essential Checking:** Our most popular account with no monthly maintenance fee
when enrolled in eStatements. Includes unlimited check writing, online bill pay,
and a Visa debit card. Minimum opening deposit is $25. Overdraft protection
available via linked savings account.

**Premier Checking:** Designed for customers maintaining higher balances.
Requires $1,500 minimum daily balance or $5,000 combined deposit balance to
avoid $12 monthly fee. Benefits include free cashier's checks, stop payments,
and one box of basic checks annually. Earns modest interest on balances over $500.

**Silver Savings:** Interest-bearing savings with $100 minimum opening deposit.
$5 monthly fee waived with $300 minimum daily balance or one automatic transfer
from checking monthly. Allows six withdrawals per statement cycle per federal
regulation. Competitive tiered interest rates increase with balance.

**Money Market Advantage:** Premium savings option requiring $2,500 minimum balance
to avoid $15 monthly fee. Offers higher interest rates than standard savings and
includes limited check-writing privileges. Ideal for customers building emergency
funds or saving for specific goals.

**Certificates of Deposit (CDs):** Fixed-term deposits with guaranteed interest
rates. Terms range from 6 months to 5 years, with higher rates for longer
commitments. Minimum deposit is $1,000. Early withdrawal penalties apply, making
CDs appropriate only for funds not needed during the term.

**Business Checking:** Tailored for small businesses with varying transaction
volumes. Basic Business offers 200 free transactions monthly; Commercial
Business provides 500 free transactions plus treasury management tools.
"""  # noqa: E501

version = "0.0.1"
