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Direct Free Checking
Minimum balance to open the account - You must deposit $100.00 to open this account.
Fees: There is no fee per statement cycle IF you receive a direct deposit to the account of payroll or retirement benefits at least monthly. If the qualifying direct deposit ceases, the account will revert to the Regular Checking Account Service Charge.
Features: No Minimum Balance required. Unlimited Check writing. Debit/ATM Card.
Regular Checking Accounts
Minimum balance to open the account - You must deposit $100.00 to open this account.
Minimum balance to avoid imposition of fees:
- If your balance falls below $300.00 on any day in the monthly statement cycle we will impose a service charge fee of $4.00 once each statement cycle.
- If your balance is at least $300.00 on every day in the monthly statement cycle but falls below $400.00 on any day during the monthly statement cycle we will impose a service charge fee of $3.00 once each statement cycle.
- If your balance is at least $400.00 on every day in the monthly statement cycle but falls below $500.00 on any during the monthly statement cycle we will impose a service charge fee of $2.00 once each statement cycle.
Special Checking Accounts
Minimum balance to open the account - You must deposit $100.00 to open this account.
Fees - A service charge of $2.00 will be charged each statement cycle. An item charge fee of $.15 will be charged for each debit transaction (withdrawal, check paid, automatic transfer or payment from this account).
Select Checking Club Accounts
Rate Information - Your interest rate and annual percentage yield may change.
Frequency of rate changes – We may change the interest rate on your account every month.
Determination of rate – At our discretion, we may change the interest rate on your account.
Compounding and crediting frequency – Interest will not be compounded. Interest will be credited to your account every month.
Effect of closing an account – If you close your account before interest is credited, you will not receive the accrued interest.
Minimum balance to open the account – You must deposit $100.00 to open this account.
Average daily balance computation method – We use the average daily balance method to calculate the interest on your account. This method applies a periodic rate to the average daily balance in the account for the period. The average daily balance is calculated by adding the principal in the account for each day of the period and dividing that figure by the number of days in the period. The period we use is the monthly statement cycle.
Accrual of interest on noncash deposits – Interest begins to accrue on the business day you deposit noncash items (for example, checks).
Fees – A miscellaneous charge fee of $5.00 will be charged each statement cycle. This fee will not apply if you are age 55 or older and maintain a minimum daily balance of $500.00 or more.
NOW Account
Rate Information – Your interest rate and annual percentage yield may change.
Frequency of rate changes – We may change the interest rate on your account every month.
Determination of rate – At our discretion, we may change the interest rate on your account.
Compounding and crediting frequency – Interest will not be compounded. Interest will be credited to your account every month.
Effect of closing an account – If you close your account before interest is credited; you will not receive the accrued interest.
Minimum balance to open the account – You must deposit $100.00 to open this account.
Minimum balance to avoid imposition of fees – A service charge fee of $6.00 will be imposed every statement cycle if the balance in the account falls below $1,000.00 any day of the cycle.
Average daily balance computation method – We use the average daily balance method to calculate the interest on your account. This method applies a periodic rate to the average daily balance in the account for the period. The average daily balance is calculated by adding the principal in the account for each day of the period and dividing that figure by the number of days in the period. The period we use is the monthly statement cycle.
Accrual of interest on noncash deposits – Interest begins to accrue on the business day you deposit noncash items (for example, checks).
Money Market Deposit Accounts
Rate information – Your interest rate and annual percentage yield may change.
Frequency of rate changes – We may change the interest rate on your account every month.
Determination of rate – At our discretion, we may change the interest rate on your account.
Compounding and crediting frequency – Interest will not be compounded. Interest will be credited to your account every month.
Effect of closing an account – If you close your account before interest is credited, you will not receive the accrued interest.
Minimum balance to open the account – You must deposit $2,500.00 to open this account.
Minimum balance to avoid imposition of fees – A service charge fee of $5.00 will be imposed each monthly statement cycle if the average daily balance for the monthly statement cycle falls below $500.00. The average daily balance is calculated by adding the principal in the account for each day of the period and dividing that figure by the number of days in the period.
Average daily balance computation method – We use the average daily balance method to calculate the interest on your account. This method applies a periodic rate to the average daily balance in the account for the period. The average daily balance is calculated by adding the principal in the account for each day of the period and dividing that figure by the number of days in the period. The period we use is the monthly statement cycle.
Accrual of interest on noncash deposits – Interest begins to accrue on the business day you deposit noncash items (for example, checks).
Transaction limitations – Transfers from a Money Market Deposit Account to another account or to third parties by preauthorized automatic, telephone, or computer transfer are limited to six per statement cycle with no more than three by check, draft, debit card or similar order to third parties.
Direct withdrawals – No restriction on the number or frequency of direct withdrawals, including transfers from the account to other accounts of the same depositor, when made by the depositor in person at the Bank or an automated teller machine (ATM) or by mail. The amount of each withdrawal may not be less than $100.00.
Statements – Descriptive statements will be furnished on a monthly basis on the date interest is paid. The actual checks, deposits and withdrawals WILL NOT be returned in the statement.
Fees – A miscellaneous charge fee of $5.00 will be charged for each check in excess of three during a statement cycle.
Regular Savings Account
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 any time.
Determination of rate – At our discretion, we may change the interest rate on your account.
Compounding and crediting frequency – Interest will not be compounded. Interest will be credited to your account every quarter.
Effect of closing an account – If you close your account before interest is credited, you will not receive the accrued interest.
Minimum balance to open the account – You must deposit $100.00 to open this account.
Minimum balance to avoid imposition of fees – A service charge fee of $5.00 will be imposed every statement cycle if the balance in the account falls below $100.00 any day of the cycle.
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 noncash deposits – Interest begins to accrue on the business day you deposit noncash items (for example, checks).
Transaction limitations – Transfers from a Regular Savings account to another account or to third parties by preauthorized, automatic, telephone or computer transfer are limited to six per statement cycle with no more than three by debit card or similar order to third parties.
Fees – An excessive withdrawal fee of $1.00 will be charged for each withdrawal in excess of three during a quarter.
Minor Savings Account
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 any time.
Determination of rate – At our discretion, we may change the interest rate on your account.
Compounding and crediting frequency – Interest will not be compounded. Interest will be credited to your account every quarter.
Effect of closing an account – If you close your account before interest is credited, you will not receive the accrued interest.
Minimum balance to open the account – You must deposit $25.00 to open this account.
Minimum balance to avoid imposition of fees – A service charge fee of $3.00 will be imposed every statement cycle if the balance in the account falls below $25.00 any day of the cycle.
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 noncash deposits – Interest begins to accrue on the business day you deposit noncash items (for example, checks).
Transaction limitations – Transfers from a Minor Savings account to another account or to third parties by preauthorized, automatic, telephone or computer transfer are limited to six per statement cycle with no more than three by check, draft, debit card, or similar order to third parties.
Fees – An excessive withdrawal fee of $1.00 will be charged for each withdrawal in excess of three during a quarter.
Christmas Club Account
Minimum balance to open the account – You must deposit $1.00 to open this account.
Transaction limitations – The minimum deposit we require to open this account is $1.00. If any withdrawal is made from this account before maturity then this account may be closed and $2.00 fee imposed.
Fees – A $1.00 fee will be imposed for not completing the club.
Business Checking Regular Account
This is a business purpose account and is not subject to Regulation DD (Truth-in-Savings) requirements.
Monthly Service Charge Analysis
- Receive a credit at current market rate on average collected balance.
- Debit of $7.00 maintenance charge.
- Debit of $.10 per debit item paid on account.
- Debit of $.08 per item deposited to account.
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Receive a debit at current market rate for any average uncollected balance.
Business NOW Account
This is a business purpose account and is not subject to Regulation DD (Truth-in-Savings) requirements.
Rate information – Your interest rate and annual percentage yield may change.
Frequency of rate changes – We may change the interest rate on your account every month.
Determination of rate – At our discretion, we may change the interest rate on your account.
Compounding and crediting frequency – Interest will not be compounded. Interest will be credited to your account every month.
Effect of closing an account – If you close your account before interest is credited, you will not receive the accrued interest.
Minimum balance to open the account – You must deposit $100.00 to open this account.
Monthly Service Charge Analysis
- CREDIT – Interest is paid at the NOW Account rate on the average balance.
- DEBIT – If the minimum balance maintained is less than $1,000.00 and the average collected balance maintained is less than $1,500.00 there is a maintenance charge of $7.00.
- DEBIT – If there are more than 20 items paid on the account there will be a $.15 charge for each item paid in excess of 20.
- DEBIT – If there are more than 30 items deposited to the account there will be a $.10 charge for each item deposited in excess of 30.
