Personal Checking Accounts
FREE PERSONAL CHECKING
| Minimum Opening Balance | $50.00 |
| Monthly Service Charge/ Basic Fee | $0.00 |
| Check Writing/ Transaction Fee | $0.00 |
| Check Stock (Duplicate check stock only) | First order: FREE |
| Internet Banking & Bill Pay | FREE |
| Visa Debit Check Card | FREE (After 30 days) |
Statement Period- MONTHLY
** Monthly statement lists all account activity. Canceled checks or check images are not included **
See fee schedule for additional charges that apply to this account
STANDARD PERSONAL CHECKING
| Minimum Opening Balance | $100.00 |
| Minimum balance required to avoid service charge | $600.01 |
| Daily Balance | Monthly Service Charge/Basic Fee |
| $0-$200.00 | $5.00 |
| $200.01-$400.00 | $4.00 |
| $400.01-$600.00 | $3.00 |
| $600.01 and over | No Monthly Charge |
Customers 60 years of age will not be assessed a monthly service charge/basic fee.
Statement Period: MONTHLY
See fee schedule for additional charges that apply to this account
NOW ACCOUNT
| Minimum Opening Deposit | $2,000.00 |
| Current Interest Rate | Inquire at local branch |
| Annual Percentage Yield (APY) | Inquire at local branch |
| Interest Computation Method | Daily Balance* |
| Interest will be compounded | Monthly |
| Interest credited | Monthly |
On non-cash item interest will begin to accrue on the business day of the deposit. If you close your account before interest is credited, you will not receive the accrued interest. Your interest rate and annual percentage yield may change. At our discretion, we may change the interest rate on your account at any time.
Statement Period: MONTHLY
Cost of check printing varies depending on the style of checks ordered.
| Monthly Service Charge/Basic Fee | $7.50 if balance falls below $2,000.00 |
See fee schedule for additional charges that apply to this account
*The Daily Balance is determined by the application of a daily periodic rate to the full amount of principal in the account each day.
SUPER-NOW ACCOUNT
| Minimum Opening Deposit | $2,500.00 |
| Current Interest Rate | Inquire at local branch |
| Annual Percentage Yield (APY) | Inquire at local branch |
| Interest Computation Method | Daily Balance* |
| Interest will be compounded | Monthly |
| Interest credited | Monthly |
On non-cash items interest will begin to accrue on business day of deposit. If you close your account before interest is credited you will not receive the accrued interest. Your interest rate and annual percentage yield may change. At our discretion, we may change the interest rate on your account at any time.
Statement Period: MONTHLY
| Monthly Service Charge/Basic Fee | $7.50 if balance falls below $2,500.00 |
See fee schedule for additional charges that apply to this account.
*The Daily Balance is determined by the application of a daily periodic rate to the full amount of principal in the account each day.
HI-FI / MONEY MARKET ACCOUNT
| Minimum Opening Balance | $2,500.00 |
| Current Interest Rate | Inquire at local branch |
| Annual Percentage Yield (APY) | Inquire at local branch |
| Interest Computation Method | Daily Balance* |
| Interest will be compounded | Monthly |
| Interest credited | Monthly |
On non-cash item interest will begin to accrue on the business day of the deposit. If you close your account before interest is credited you will not receive the accrued interest. Your interest rate and annual percentage yield may change. At our discretion, we may change the interest rate on your account at any time.
Statement Period: MONTHLY
No more than six transfers and withdrawals or combination thereof per calendar month or statement cycle of at least four weeks may be made by P.O.S (Point-of-sale)., check, debit card, preauthorized or automatic transfer or similar order by the depositor payable to third parties.
| Monthly Service Charge/Basic Fee | $5.00 |
See fee schedule for additional charges that apply to this account
*The Daily Balance is determined by the application of a daily periodic rate to the full amount of principal in the account each day.
