Personal & Business Checking

Regular Checking

This account has unlimited check-writing privileges.

Minimum Opening Deposit: $200.00

Account Fees: Personal accounts $7.00 monthly; Business accounts $10.00 monthly. 

You may avoid these fees if you maintain a daily balance of at least $500 for Personal accounts and $1000 for Business accounts.

Statement Period: Monthly

With this account you receive the first box of single personal checks at no charge. Cost of other check printing varies on the style of checks ordered.

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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.

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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 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

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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

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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.

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 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.

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Money Marketing 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 pre-authorized transfers per month of which no more than six 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 pre-authorized 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 six and any transaction beyond six per month.

Statement Period: Monthly

Additional special checks may be ordered with cost deducted from your account.

 

Health Savings Account

Minimum Opening Deposit: $100.00

Requirements to open account:  You must have coverage under a HSA qualified "high deductible health plan", you can have no other first-dollar medical coverage, you cannot be enrolled in or eligible for Medicare and you cannot be claimed as a dependent on another person's tax return.

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 $500 to obtain the disclosed annual percentage yield.

Limitations: Check writing privileges on this account are limited to the purchase of medical expenses, treatments and/or medical care.

 
Account Fees: Currently there are no account fees associated with this account.

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.

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