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| FREE CHECKING ACCOUNT |
- Minimum amount to open the account $100
- Monthly account maintenance fee $0.00 (none)
- Minimum balance $0.00 (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, if closed within 181 days of opening
- Interest paid- none
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| REGULAR CHECKING ACCOUNT |
- Minimum amount to open the account $100
- Monthly account maintenance fee $9 (To avoid monthly maintenance fee, maintain a minimum balance of $500.00 or a minimum average monthly balance of $1,000)
- Number of checks written per month –Unlimited
- Account closing fee $25, if closed within 181 days of opening
- Interest paid-none
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| ECONOMY CHECKING ACCOUNT |
- Minimum amount to open the account $100
- Monthly account maintenance fee $4
- Up to 15 checks or withdrawals per statement cycle free, and $0.45 for each additional check or withdrawal
- Account closing fee $25, if closed within 181 days of opening
- Interest paid- none
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| STUDENT CHECKING ACCOUNT |
| (Must be full time student) |
- Minimum amount to open the account $100
- Monthly account maintenance fee $4
- Minimum balance $0.00 (none)
- Number of checks written per month- Unlimited
- First Intercontinental Bank ATM usage-Free
- Account closing fee $25, if closed within 181 days of opening
- Interest paid- none
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| MAX CHECKING ACCOUNT |
- Minimum amount to open the account $1,000.00
- Monthly account maintenance fee $9.00 (To avoid monthly maintenance fee, maintain a minimum balance of $1,000)
- Number of checks written per month- Unlimited
- Interest paid-Yes
- Rate Information: Your interest rate and annual percentage yield may change
- Frequency or rate changes: We may change the interest rate on your account at any time
- Determination of rate- At our discretion, we may change the interest rate on your account
- 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.
- Interest begins to accrue on business day you deposit non- cash items (for example, checks)
- 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
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| SENIORS CLUB ACCOUNT |
| (55 or Older) |
- Minimum amount to open the account $100
- Monthly account maintenance fee $4 (To avoid monthly maintenance fee, maintain a minimum balance of $250)
- Number of checks written per month- Unlimited
- Interest paid-Yes
- Rate Information: Your interest rate and annual percentage yield may change
- Frequency of rate changes: we may change the interest rate on your account at anytime
- Determination of rate: At our discretion, we may change the interest rate on your account
- 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. Interest begins to accrue on the business day you deposit non-cash items (for example, checks)
- If you close your account before interest is credited, you will not receive the accrued interest.
- Account closing fee $25, if closed within 181 days of opening
- Interest Rate: Please contact Customer Service for current rates.
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| INTEREST CHECKING ACCOUNT |
- Minimum amount to open the account $100
- Monthly account maintenance fee $9 (To avoid monthly maintenance fee, maintain a minimum balance of $1,000.)
- Number of checks written per month- Unlimited
- Interest Paid- Yes
- Rate Information: Your interest rate and annual percentage yield may change
- Frequency of rate changes: We may change the interest rate on your account at anytime
- Determination of rate: At our discretion, we may change the interest rate on your account
- 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 principle in the account each day. Interest begins to accrue on the business day you deposit non-cash items (for example, checks)
- If you close your account before interest is credited, you will not receive the accrued interest
- Account closing fee $25, if closed within 181 days of opening
- Interest Rate: Please contact Customer Service for current rates.
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| DELUXE CHECKING ACCOUNT |
- Minimum amount to open the account $100 (You must have $ 10,000 combined daily balances in a checking account or a Regular Statement Savings account or $10,000 in a Money Market Account or CD’s or IRA’s or have a $15,000 outstanding balance on a loan or line of credit to open this account).
- Monthly account maintenance fee $15. In the event the combined daily balance in the account falls below $10,000 in a checking account or a Regular Statement Savings account or $10,000 in a Money Market Account or CD’s or IRA’s or have a $15,000 outstanding balance on a loan or line of credit)
- Number of checks written per month- Unlimited
- Interest Paid-Yes
- Rate Information: Your interest rate and annual percentage yield may change
- Frequency of rate changes: We may change the interest rate on your account at anytime
- Determination of rate: At our discretion, we may change the interest rate on your account
- 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. Interest begins to accrue on the business day you deposit non-cash items (for example, checks)
- If you close your account before interest is credited, you will not receive the accrued interest
- Account closing fee $25, if closed within 181 days of opening
- Interest Rate: Please contact Customer Service for current rates.
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