Personal Checking Accounts

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Free Checking Account

Opening Deposit

Minimum Balance

Monthly Service Fee

Interest

$100

None

$0

None

Number of checks written per month: Unlimited.

When you have direct deposit on regular payroll check, receive a free one time order of checks.

Checks are not included with the monthly statement.

Account closing fee $25.00, if closed within 181 days of opening.

For additional fees, see Miscellaneous Fees and Charges.



Regular Checking Account

Opening Deposit

Minimum Balance

Monthly Service Fee

Interest

$100

$500/day

$1000/month

$9

$0/min

None

Number of checks written per month: Unlimited.

Monthly account service charge $9.00 (   To avoid monthly maintenance fee, maintain a minimum daily balance of $500.00 or a minimum average monthly balance of $1,000.00).

Account closing fee $25.00, if closed within 181 days of opening.

For additional fees, see Miscellaneous Fees and Charges.


Economy Checking Account

Opening Deposit

Minimum Balance

Monthly Service Fee

Interest

$100

$100

$4/month

None

Up to 15 checks or withdrawals per statement cycle free, and $0.45 for each additional check or withdrawal.

Account closing fee $25.00, if closed within 181 days of opening.

For additional fees, see Miscellaneous Fees and Charges.


Student Checking Account

Opening Deposit

Minimum Balance

Monthly Service Fee

Interest

$100

None

$4/month

None

Must be full time student.

Number of checks written per month: Unlimited.

Account closing fee $25.00, if closed within 181 days of opening.

For additional fees, see Miscellaneous Fees and Charges.


Max Checking Account

Opening Deposit

Minimum Balance

Monthly Service Fee

Interest

$100

$1,000/day

$9

$0/min

Yes

Number of checks written per month: Unlimited.

Frequency or rate changes: At our discretion, we may change the interest rate and annual percentage yield on your account at any time.

Compounding and crediting frequency: Interest will be compounded daily. Interest will be credited to your account every month.

Daily balance computation method: We use the daily balance method to calculate the interest on your account. This method applies a daily periodic rate to the principal in the account each day.

Accrual of interest on non-cash deposits (for example, check): Interest accrues on your daily available balance.

If you close your account before interest is credited, you will not receive the accrued interest.

Monthly account service charge $9.00 (   To avoid monthly maintenance fee, maintain a minimum daily balance of $1,000.00).

Account closing fee $25.00, if closed within 181 days of opening.

For additional fees, see Miscellaneous Fees and Charges.



Senior Checking Account

Opening Deposit

Minimum Balance

Monthly Service Fee

Interest

$100

None

$0

Yes

Minimum age of 55 or older to open the Senior Club Checking Account.

Number of checks written per month: Unlimited.

Frequency or rate changes: At our discretion, we may change the interest rate and annual percentage yield on your account at any time.

Compounding and crediting frequency: Interest will be compounded daily. Interest will be credited to your account every month.

Accrual of interest on non-cash deposits (for example, check): Interest accrues on your daily available balance.

If you close your account before interest is credited, you will not receive the accrued interest.

Daily Balance computation method: We use the daily balance method to calculate the interest on your account. This method applies a daily periodic rate to the principal in the account each day.

Account closing fee $25.00, if closed within 181 days of opening.

For additional fees, see Miscellaneous Fees and Charges.





Interest Checking Account

Opening Deposit

Minimum Balance

Monthly Service Fee

Interest

$100

$1,000/day

$9

$0/min

Yes

Number of checks written per month: Unlimited.

Frequency or rate changes: At our discretion, we may change the interest rate and annual percentage yield on your account at any time.

Compounding and crediting frequency: Interest will be compounded daily. Interest will be credited to your account every month.

Daily balance computation method: We use the daily balance method to calculate the interest on your account. This method applies a daily periodic rate to the principal in the account each day.

Accrual of interest on non-cash deposits (for example, check): Interest accrues on your daily available balance.

If you close your account before interest is credited, you will not receive the accrued interest.

Monthly account service charge $9.00 (   To avoid monthly maintenance fee, maintain a minimum daily balance of $1,000.00).

Account closing fee $25.00, if closed within 181 days of opening.

For additional fees, see Miscellaneous Fees and Charges.









Deluxe Club Checking Account

Opening Deposit

Minimum Balance

Monthly Service Fee

Interest

$100

Yes

Number of checks written per month: Unlimited.

   To open this account, you must have $ 10,000.00 combined daily balances in a checking account, or a Savings account, or a Money Market Account, or CD’s or IRA’s or have a $15,000.00 outstanding balance on a line of credit or loan to open this account.

     Monthly account service charge $15.00. (In the event the combined daily balance in the account falls below $10,000.00 in a checking account or a Savings account or $10,000.00 in a Money Market Account or CD’s or IRA’s or have a $15,000.00 outstanding balance on a line of credit or loan)

Frequency or rate changes: At our discretion, we may change the interest rate and annual percentage yield on your account at any time

Compounding and crediting frequency: Interest will be compounded daily. Interest will be credited to your account every month

Daily balance computation method: We use the daily balance method to calculate the interest on your account. This method applies a daily periodic rate to the principal in the account each day.

Accrual of interest on non-cash deposits (for example, check): Interest accrues on your daily available balance.

If you close your account before interest is credited, you will not receive the accrued interest.

Account closing fee $25.00, if closed within 181 days of opening.

Interest Rate: APY= Annual Percentage Yield.

For additional fees, see Miscellaneous Fees and Charges.


  Personal Money Market Account

Opening Deposit

Minimum Balance

Monthly Service Fee

Interest

$100

$1,000/month

$8/month

Yes

Frequency or rate changes: At our discretion, we may change the interest rate and annual percentage yield on your account at anytime

Monthly account service charge $8.00 (   To avoid monthly service charge, maintain a minimum daily balance of $1,000.00)

Compounding and crediting frequency: Interest will be compounded daily. Interest will be credited to your account monthly.

If you close your account before interest is credited, you will not receive the accrued interest

Daily balance computation method: We use the daily balance method to calculate the interest on your account. This method applies a daily periodic rate to the principal in the account each day

Accrual of interest on non-cash deposits (for example, check): Interest accrues on your daily available balance

Account closing fee $25.00, if closed within 181 days of opening

Minimum balance to obtain the annual percentage yield disclosed: Tiered rates based on balance.

For additional fees, see Miscellaneous Fees and Charges


For complete listing of services, rates, fees, and restrictions, please contact any customer service representative.