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Checking Accounts

Basic Checking Account

Required to Open: $100.00
Monthly Fee/ Balance Requirement: No monthly fee or service charges, No minimum balance requirement
Features: Unlimited Check Writing, Itemized Monthly Statement, No Monthly Service Charge
Restrictions: checks will not be returned with statements, a per check charge will apply for copies of checks

50+ Checking Account

Required to Open: $100.00
Monthly Fee/ Balance Requirement: No monthly fee or service charges, No minimum balance requirement
Features: Unlimited check writing, one box of checks per calendar year up to $20.00 value, ½ price safe deposit box, No monthly service charge
Restrictions: Must be 50 years of age or older

Personal Checking Account

Required to Open: $500.00
Monthly Fee/Balance Requirements:
$500 or more = No monthly fee or service charges
$0 - $499.99 = $5.00 + .15 per check over 15 checks
Features: Unlimited check writing. Receive monthly statement with canceled checks. ATM/Debit Card available.
Restrictions: Must maintain account balance to avoid higher service charge.

Interest Checking Account

Required to Open: $750.00
Monthly Fee: $10.00 + 15 cents per check over 15 checks – If balance falls below $750
Balance Requirements: $750.00 to receive annual percentage yield and avoid service charge
Features: No monthly charge if balance does not fall below $750.00.
Restrictions: Interest compounded daily, credited monthly.

Premier Interest Checking Account

Required to Open: $2,500.00
Monthly Fee: $10.00 + 15 cents per check over 15 checks – If balance falls below $2500
Balance Requirements: $2,500.00 to receive annual percentage yield and avoid service charge
Features: No monthly charge if balance does not fall below $2500.00.
Restrictions: Interest compounded daily, credited monthly.

Money Market Account

Required to Open: $5,000
Monthly Fee: None.
Balance Requirements: Interest rates determined by tiered balances.
Features: Interest paid monthly. Statements mailed monthly.
Restrictions: No interest paid if balance falls below $5000. Allowed 6 checks or 6 transfers per month as required by law.