- Regular Checking
- Free Checking
- Platinum Checking (50+)
- Club Checking
- Student Checking
- NOW Account Checking
- Money Market Account
- Fees
Regular Checking
This account has unlimited check-writing privileges.
Minimum Opening Deposit: $200.00
Account Fees: The service charge
we assess depends upon the balance you maintain in your account:
- $0 to $299.99 - $7.00
- $300 to $399.99 - $6.00
- $400 to $499.99 - $5.00
You may avoid these fees if you maintain a daily balance of at least
$500.
Statement Period: Monthly
With this account you receive the first box of single or duplicate personal
checks at no charge. Cost of other check printing varies on the style
of checks ordered.
Free Checking
This account has unlimited check-writing privileges.
Minimum Opening Deposit: $200.00
Limitations: At least one deposit
each month must be Direct Deposit payroll.
Account Fees: None
Statement Period: Monthly
Cost of checks may vary depending on style.
Platinum Checking (50+)
This account has unlimited check-writing privileges.
Minimum Opening Deposit: $200
Account Fees: There is no service
charge and no monthly minimum balance on this account.
Statement Period: Monthly
With this account you receive one box of single or duplicate personal
checks per year at no charge. Cost of other check printing varies on the
style of checks ordered.
Rate/Balance Information: Same
as NOW Account Checking
Club Checking
This account has unlimited check-writing privileges, with interest
if a $500 daily balance is maintained, and other club account benefits.
Minimum Opening Deposit: $200.00
Rate Information: This account is
an interest- bearing account. The interest rate and APY may change.
At our discretion, we may change the interest rate on the account at any
time. Interest begins to accrue on the first business day of your deposit
for either cash or noncash items (checks) if received by 5:00 p.m. Interest
will be accrued on the daily balance, compounded monthly and credited
to your account monthly. If you close the account before interest is credited,
you will not receive the accrued interest.
Balance Information: We use the
daily balance method to calculate the interest on the account. This method
applies a daily periodic rate to the principal in the account each day.
You must maintain a minimum daily balance of $500 to obtain the disclosed
annual percentage yield.
Account Fees: Each month you will
be assessed a service charge of $4.00. The service charge is $9.00 for
customers under 50 years of age.
Statement Period: Monthly
With this account all club checks are free.
Student Checking
This account has unlimited check-writing privileges.
Minimum Opening Deposit: $100.00
Account Fees: None
Cost of checks may vary depending on style.
NOW Account Checking
This account is an interest-bearing account with unlimited check
writing privileges.
Minimum Opening Deposit: $1,000.00
Rate Information: The interest
rate and APY may change. At our discretion, we may change the interest
rate on the account at any time. Interest begins to accrue on the first
business day of your deposits for either cash or noncash items (checks)
if received by 5:00 p.m. Interest will be compounded monthly and credited
to the account monthly. If you close your account before interest is credited,
you will not receive the accrued interest.
Balance Information: We use the
daily balance method to calculate the interest on the account which applies
a daily periodic rate to the principal in the account each day. You must
maintain a minimum daily balance of $1,000 to obtain the disclosed annual
percentage yield.
Limitations: This account is limited
to individuals, including sole proprietorships, and non-profit organizations.
Account Fees: Each month you will
be assessed a service charge of $8.00. You may avoid this fee if you maintain
a daily balance of $1,000. Businesses (i.e. sole proprietorships) will
be assessed a $10 monthly maintenance fee.
Statement Period: Monthly
With this account you receive the first order of personal checks at no
charge. Cost of other check printing varies on the style of checks ordered.
Money Market Account
This account is an interest-bearing account with limited check writing
privileges.
Minimum Opening Deposit: $2,500.00
Rate Information: The interest
rate and APY may change. At our discretion, we may change the interest
rate on the account at any time. Interest begins to accrue on the first
business day of your deposit for either cash or noncash items (check)
if received by 5:00 p.m. Interest will be compounded monthly and credited
to the account monthly. If you close your account before interest is credited,
you will not receive the accrued interest.
Balance Information: We use the
daily balance method to calculate the interest on the account which applies
a daily periodic rate to the principal in the account each day. You must
maintain a minimum daily balance of $2,500 to obtain the disclosed APY.
If your account falls below $2,500 anytime during the month, the rate
paid is equal to the NOW Account rate.
Limitations: The account is limited
to six preauthorized transfers per month of which no more than three may
be by check. Types of transactions which fall within the six per month
limitation are ACH debits, transfers from a customer’s account pursuant
to a preauthorized agreement to cover overdrafts on a transactions account,
and a transfer from an account at the telephoned request of the customer.
Transfers or withdrawals made in person at the bank are permissible in
unlimited numbers. If the account exceeds the limitations stated above
more than three times in a rolling 12-month period, the account will then
be converted to another type of checking or non-interest bearing deposit
account.
Account Fees: We will charge $5.00
for each check beyond three and any transaction beyond six per month.
Statement Period: Monthly
Additional special checks may be ordered with cost deducted from your
account.
