Personal Banking
Checking Accounts | Savings Accounts | Services | Fees & Charges
 

Checking Accounts

A minimum deposit of $100.00 is required to open all checking accounts.

Regular Checking

Our Regular Checking account offers no service charge if your daily balance is $500.00 and above during the monthly statement cycle.

MONTHLY SERVICE CHARGE SCHEDULE:

Minimum Balance During Month	Service Charge of
$400.00 to $499.99	$5.00
$300.00 to $399.99	$6.00
$200.00 to $299.99	$7.00
$ 0.00 to $199.99	$8.00
Internet Banking	Free
Bill Pay	$6.00 (Can be waived)
Visa® Check Card	$2.00 (Can be waived)

E-CHECKING

Our E-Checking Account allows you to have a no monthly service charge checking account

• No minimum balance required
• No monthly service charge
• No monthly Visa® Check Card fee
• No Bill Pay charge - Must use your Visa® Check Card for 12 or more credit purchases during the month (if the number of credit purchases is below 12 the account will be charged the Bill Pay fee of $6.00)

Senior Citizen Account

Our Senior Citizen Account allows you to have a checking account with no monthly service charge.

• No service charge for our seniors 60 and older.
• No minimum balance required.

Student Accounts

Our Student Accounts allow you to have a checking account with no monthly service charge as long as you are enrolled full-time.

• No minimum balance required.
• Students must verify their status with the bank yearly.

Now Accounts (Negotiable Order of Withdrawal)

• Our Now Accounts are interest bearing checking accounts.
• No monthly service charge for accounts with a minimum balance of $1500.00 plus $.20 per item over 25 items.
• Monthly service charge of $10.00 for accounts with balances of below $1500.00 plus $.20 per item over 25 items.
• Interest calculated on the daily balance method and paid monthly.
• Non-sufficient funds handled same as checking accounts.
• Rates subject to change without notice. Check with Bank for current rates.