Checking Accounts

Regular Checking (Individuals)
Minimum to Open	$50.00
Number of Checks per month	unlimited
Service Charges:	Over $500: No Charge $300-$499: $3.00 per statement cycle $299-less: $5.00 per statement cycle
Business Checking
Minimum to Open	$50.00
Services Charges:	$2.50 per statement cycle PLUS 12¢ per debit (Check, etc.) MINUS 15¢ per $100 balance credit
Bonus Banking - Checking
Minimum to Open	$50.00
Service Charges:	$6.00 per statement cycle Basic Plan $8.00 per statement cycle Family Plan Age 62 or older No Service Charge
NOTE: Unlimited checking; one box of standard checks free annually; accidental death insurance; plus many more personal benefits. Ask for our brochure.
DDPLUS
Minimum to Open	None
Service Charges:	$2.00 per statement cycle The first twelve withdrawals are free. Each additional withdrawal will be assessed a $1.00 fee.
Student Checking
Minimum to Open	$50.00
Service Charges:	No Service Charge
NOTE: Proof of enrollment required. (Student ID, Letter of Acceptance, etc.)

 

Service charges are determined by the lowest daily balance
during statement cycle (monthly)

 Interest Bearing Checking Accounts

NOW Accounts
Minimum to open	$1,500.00
Unlimited checking	(write as many checks as you like)
Service Charges:	If daily balance drops below $1000.00, you will be assessed a Service Charge of $6.00
NOTE: If you close your account before the interest is credited, you may not receive the accrued interest. You must maintain a Minimum Daily Balance of $1500 to earn disclosed APY. Individuals, Sole Proprietorships, Non-Profit Organizations and Governmental Units ARE eligible for NOW accounts. Partnerships, Corporations and Profit Making Associations ARE NOT eligible for NOW accounts.
Money Maker Accounts
Minimum to open	$50.00
Service Charges:	No Service Charge
NOTE: See section below on “Limits on Transfers”; Interest rate is higher if balance is greater than $25,000.00

Service charges are determined by the lowest daily balance
during statement cycle (monthly)

Limits on Transfers

Under applicable federal regulations, there are limits on the number of preauthorized, automatic and telephone transfers we may process on certain interest bearing accounts. With the exception of loan payments to us, no more than six preauthorized, automatic, or telephone transfers may be made from your savings account or money maker account to another account at the Bank or to a third party in any calendar month. No more than six transfers may be made by check, draft, debit card, wire transfer or similar order payable to a third party provided such transactions are allowed by us for the specific type of account you open. If you exceed these transfer limits, the excess transfer requests may be refused or reversed and the Bank may reclassify or close your account.

Savings Accounts

Christmas Club
Minimum to open	None
Service Charges:	No Service Charge $5.00 charge if account is closed prematurely
NOTE: No withdrawals allowed; Interest computed daily and is paid annually; Check issued each November.