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CHECKING ACCOUNTS

• FREE CHECKING

  • $100.00 Initial Deposit required.
  • Images are not provided with monthly statements.
  • No limit on the number of checks written.
  • No monthly service charge.
  • Free online banking and bill pay.

• REGULAR CHECKING

  • $100.00 Initial Deposit required.
  • No limit on the number of checks written.
  • One free debit card per account
  • Images of checks provided with monthly statement.
  • Free online banking and bill payment.
  • No monthly service fees for balances over $500
  • Monthly fees are as follows for minimum account balances:

        Balance                                         Fee

    	$0	-	$99.99	$5.00
    	$100.00	-	$199.99	$4.00
    	$200.00	-	$299.99	$3.00
    	$300.00	-	$399.99	$2.00
    	$400.00	-	$499.99	$1.00

• STUDENT OR SENIOR CHECKING

  • $100.00 Initial Deposit
  • No monthly service charge to students or seniors 65 or over.
  • Images are provided with monthly statement.
  • Free online banking and bill payment

• SECURE CHOICE 50 CHECKING

  • $200.00 Initial Deposit
  • $10,000 of free Accidental Death Insurance
  • Free online banking and bill payment.
  • Additional benefits-including prescription drug discounts, Lifelock ID protection and much more!
  • Free basic wallet style checks
  • $5.00 fee if balance falls below $200.00 during a statement cycle.
  • No interest paid if balance falls below $200.00 during a statement cycle.
  • One free debit card per account
  • Interest Rate and Annual Percentage Yield may change at any time.
  • Images of checks are provided with monthly statement.

• SECURE CHOICE CHECKING

  • $100.00 Initial Deposit
  • $10,000 of free Accidental Death Insurance
  • Free online banking and bill payment.
  • Additional benefits-including prescription drug discounts, Lifelock ID protection and much more!
  • Free basic wallet style checks
  • $5.00 monthly fee
  • One free debit card per account
  • Images of checks are provided with monthly statement.

• NOW ACCOUNT

  • $500.00 Initial Deposit
  • No monthly service fees for balances over $500.00
  • An excess item fee of $.25 per check after 20 checks per statement cycle.
  • No interest paid for balances below $500.00
  • Fees for balances below $500.00

      Balance                                         Fee

  	$0	-	$99.99	$5.00
  	$100.00	-	$199.99	$4.00
  	$200.00	-	$299.99	$3.00
  	$300.00	-	$399.99	$2.00
  	$400.00	-	$499.99	$1.00

  
  Interest Rate and APY may change at any time

• SUPER NOW ACCOUNT

  • $2500.00 Initial Deposit
  • No monthly service fee for balances of $2500.00 or more.
  • If account balance falls below $2500.00 there will be a $10.00 service charge.
  • An excess item fee of $.25 per check after 20 checks per statement cycle.
  • No interest paid if balance falls below $2500.00
  • Interest Rate and Annual Percentage Yield may change at any time.
  • Images of checks provided in each statement

• MONEY MARKET DEPOSIT ACCOUNT

  • $2500.00 Initial Deposit
  • A service fee of $10.00 will be imposed every statement cycle if the balance falls below $2500.00 any day of the statement cycle. Transfers to another account or third parties by preauthorized, automatic, internet banking, debit card, drafts, telephone transfers, or similar orders made by the depositor and payable to third parties are limited to six (6) per statement cycle.
  • Interest rate and Annual Percentage Yield may change at any time.
  • Images of checks provided in each statement.

• BUSINESS CHECKING

  • Monthly base charge of $1.50
  • Fees: $.05 per item (checks, deposits, deposited items)
  • Credits: $.10 per $100.00 of average collected balance given on each statement cycle.
  • Images of checks provided in each statement.
  • Up to 3 free business debit cards per account

• SMALL BUSINESS CHECKING

  • $100.00 Initial Deposit required
  • No limit on number of checks written
  • Images of checks provided with monthly statement
  • Free online banking and bill payment
  • One free business debit card per account
  • No monthly service fee for balances over $500
  • Monthly fees are as follows for minimum account balances:

      Balance                                         Fee

  	$0	-	$99.99	$5.00
  	$100.00	-	$199.99	$4.00
  	$200.00	-	$299.99	$3.00
  	$300.00	-	$399.99	$2.00
  	$400.00	-	$499.99	$1.00

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  ** We request 2 FORMS OF IDENTIFICATION to open an account. Current Drivers License, SS Card, etc. We also request proof of your current address.