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.

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