Personal Checking Accounts

Checking Account

• $100 Minimum to open
• Monthly statement
• Checks images provided
• Debit Card Available

If your average balance is above $300 this account will have no monthly maintenance charge or per check fees.

A minimum balance fee will be imposed every month if the average daily balance for the month falls below $300. If your average balance falls below $300 the fees listed below will be in effect.

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.

Free checking for Senior Citizens (60 or older when notified)

The Express Account

• $100 minimum to open
• No service charge
• No minimum balance
• Monthly statement
• Non interest bearing
• Duplicate personalized checks
• No checks or check images provided
• Debit Card Available

Now Account

To open a Now Account you must deposit $400

• 10 cent fee for each check, transfer, or withdrawal if the daily balance falls below $400 for the cycle period
• $5 monthly fee charged if the daily balance falls below $400
• Your interest rate and annual percentage yield may change. We may change the interest rate on your account daily. Interest begins to accrue on the business day you deposit noncash items (for example, checks).
• Interest is accrued daily and credited and compounded monthly at the end of your statement period. If you close your account before interest is credited, you will not receive the accrued interest. We use the daily balance method to calculate interest and fees on your account. This method applies a periodic rate to the principal in the account each day.
• If your balance is negative no interest will be paid on the account for that day.

Super Now Account

To open a Super Now Account you must deposit $1,000

• A per item fee of 10 cents for every check, transfer, or withdrawal out of the account will be imposed every month if the daily balance for the month falls below $400.
• $5 monthly fee charged if your daily balance falls below $400
• Your interest rate and annual percentage yield may change. We may change the interest rate on your account daily. Interest begins to accrue on the business day you deposit noncash items (for example, checks).
• Interest is compounded monthly and credited monthly at the end of your statement period. If you close your account before interest is credited, you will receive the accrued interest. We use the daily balance method to calculate interest and fees on your account. This method applies a daily periodic rate to the daily balance in the account for the period.
• Interest Rate Tiers
  • 0 - $999
  • $1,000 and up
• If your balance is negative no interest will be paid on the account on that day.