Checking Accounts:

Our checking accounts are designed to be less complicated and more convenient for you.  That’s why we have designed checking accounts for virtually every need and lifestyle, from students to those 49 and better.  Our checking accounts are value added.  They are better than free!
 

Regular Checking

Regular Checking is a great account for the budget-minded individual.  There is no minimum monthly balance requirement and it offers great features like free ATM access and overdraft protection.

·         Minimum balance to open account, $100

·         Monthly service charge, $6.50

·         10 free debits per statement cycle, then 50¢ per debit

·         Overdraft protection from savings is available.  Transaction fees apply.

·         Check imaging  is available for a fee

·         Free VISA® Check Card and free ATM access. Foreign ATM fees waived, excludes surcharge.

Preferred Checking

With Preferred Checking your monthly service charge is waived with a minimum balance of $200.  Plus you have unlimited check writing, no per-item transaction fees and the option of Check Imaging for an additional $2.00 per month.

·         Minimum balance to open account, $100

·         Minimum balance to avoid service charge, $200

·         Monthly service charge if below the required minimum, $7.00 per statement cycle

·         Unlimited check writing

·         Check Imaging is available for a fee

·         Overdraft protection from savings is available. Transaction fees apply.

·         Free VISA® Check Card and free ATM access.  Foreign ATM fees waived, excludes surcharge.

Premium Checking

Premium Checking includes all the features of Preferred Checking, plus you’ll earn a market rate of interest.  Maintain a $1,500 average daily balance or a $5,000 combined deposit balance² and the monthly service charge is waived.  With Premium Checking, you’ll get free logo checks and earn bonus interest on your savings account that’s linked to your checking account.

·         Minimum balance to open account , $100

·         Minimum balance to avoid service charge, $1500 average daily balance or free with combined deposits of $5,000

·         Monthly service charge if below the required minimum, $10.00 per statement cycle

·         Account earns simple interest at market rate; rates subject to change

·         Unlimited check writing

·         Check Imaging  is available for a fee

·         Free logo checks (200/order, wallet style)

·         Bonus interest on savings tied to checking

·         Overdraft protection from savings is available.  Transaction fees apply.

·         Free VISA® Check Card and free ATM access. Foreign ATM fees waived, excludes surcharge.

·         No-fee Travelers & Cashier’s Checks

Rewards Checking (Age 49 & better)

This account is for our special customers, age 49 and better.  Rewards Checking pays you a market rate of interest, and is loaded with special features like a low minimum balance, free wallet-style logo checks, bonus interest on a savings account linked to checking, access to your CDs for medical and other emergencies.

·         Minimum balance to open account, $100

·         Minimum balance to avoid service charge, $500 average daily balance or free with combined deposits of $2,500

·         Monthly service charge if below the required minimum, $5.00 per statement cycle

·         Account earns simple interest at market rate; rates subject to change

·         Unlimited check writing

·         Check Imaging is available for a fee

·         Free logo checks (200/order, wallet style)

·         Bonus interest on savings tied to checking

·         Overdraft protection from savings is available.  Transaction fees apply.

·         Free VISA® Check Card and free ATM access. Foreign ATM fees waived, excludes surcharge.

·         No-fee Travelers & Cashiers Checks

 

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