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Checking Accounts

 

Free Checking

The account for the individual that doesn't need or want their checks back.

Requirements:

  • Minimum Balance to Open—$100.00
  • Non-interest Bearing
  • No Checks or Check Images Returned (Safekeeping of checks required)
  • Consumer Accounts Only

Benefits:

  • No Minimum Balance Requirement after account opening
  • Fully Itemized Statement
  • One Check Copy per Statement Cycle Free

Cost:

  • No Monthly Service Charge
  • No Per Debit Fee
  • $2.00 charge for additional check copy after 1 

 

Regular Checking

A basic checking account.

Requirements:

  • Minimum Balance to Open - $100.00
  • Consumer Accounts Only
  • See Costs for Minimum Balance Requirements

Benefits:

  • Check Safekeeping (checks not returned, but you will received check images with your statement)
  • If you have another savings or certificate of deposit account with us under the same ownership, with a total of at least $10,000 in the accounts, the service charge will be waived.
  • If there are no debits to your account during the statement cycle, there is no service charge.

Cost:

  • $5.00 plus $.25 per debit after 40 debits if the minimum daily balance during the month drops below $500.
  • $10.00 plus $.25 per debit after 40 debits if the minimum daily balance during the month drops below $250.

 

Checking with Interest

An interest bearing checking account.

Requirements:

  • Minimum Balance to Open - $500.00
  • Consumer Accounts Only
  • See Costs for Minimum Balance Requirements

Benefits:

  • Check Safekeeping (checks not returned, but you will received check images with your statement)
  • If you have another savings or certificate of deposit account with us under the same ownership, with a total of at least $10,000 in the accounts, the service charge will be waived.
  • If there are no debits to your account during the statement cycle, there is no service charge.
  • Interest paid on your average collected balance.
  • Tiered interest rates - higher balances earn higher interest! Go to current rates!

Cost:

  • $8.00 plus $.25 per debit after 40 debits if the minimum daily balance during the month drops below $1,000.
  • $12.00 plus $.25 per debit after 40 debits if the minimum daily balance during the month drops below $500.

 

Student/Senior Checking

Low Cost Checking for Students and Senior Citizens

Requirements:

  • Minimum Balance to Open—$100.00
  • This account is available for (1) junior high, high school or full-time college students under the age of 23, and (2) senior citizens, 62 years and older.
  • Provide us with your birth date.

Benefits:

  • No Minimum Balance Requirement after account opening
  • Check Safekeeping (checks not returned, but you will receive check images with your statement)

Cost:

  • $.25 per debit after 20 debits during the statement cycle.

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Business — Non-Interest Bearing Account

Regular Service Charge Schedule

  • Minimum Balance to Open—$500.00
  • $7.00 — Monthly maintenance fee
  • $.15 for each debit to the account
  • $.08 for each check not on us deposited to the account.
  • Less $.15 earnings credit for each $100 average collected balance.  This earnings credit rate may change as often as monthly.
  • If there were no debits to your account during the statement cycle, there is no service charge.  Service charges of less than $5.00 are waived.
  • Business accounts are subject to analysis.

 

Business — Non-Interest Bearing Account

Flat Rate Plan

For NEW Accounts Only

  • Minimum Balance to Open—$500.00
  • $25.00 per month (including taxes).
  • You will receive a quarterly analysis of your    account based on our Regular Service Charge Schedule above versus $25.00 per month.
  • At the end of any six-month period (based on analysis) when you have overpaid on the Flat Rate Plan versus our Regular Service Charge Schedule, we will refund the difference and you may continue on the Flat Rate Plan.
  • At the end of any six-month period (based on analysis) when you have underpaid versus our Regular Service Charge Schedule, you will not be charged for the difference but you will be required to switch to our Regular Service Charge Schedule. and may not go back on the Flat Rate Plan.

 

Business — Interest Bearing Account

Interest bearing business checking accounts are not eligible for the excess FDIC insurance coverage for balances over $250,000.00.

  • Minimum Balance to Open—$500.00
  • $7.00 — Monthly maintenance fee
  • $.15 for each debit to the account
  • $.08 for each check not on us deposited to the account.
  • Less $.03 earnings credit for each $100 average collected balance.  This earnings credit rate may change as often as monthly.
  • If there were no debits to your account during the statement cycle, there is no service charge.  Service charges of less than $5.00 are waived.
  • Business accounts are subject to analysis

 

Business – Interest Bearing HiFi Account

Customers may not open this account.  This is for only those that have existing accounts.  Use Business - Interest Bearing Account above.

  • Minimum Balance to Open—$2,500.00
  • $7.00 — Monthly maintenance fee
  • $.15 for the first three (3) checks to the account
  • $5.00 for each check over three (3)
  • Unlimited over-the-counter transfers of collected funds to and from your regular checking account and your HiFi account.
  • $.08 for each check not on us deposited to the account.
  • Less $.00 earnings credit for each $100 average collected balance.  This earnings credit rate may change as often as monthly.  (No earnings credit for balances).
  • If there were no debits to your account during the statement cycle, there is no service charge.  Service charges of less than $5.00 are waived.
  • Business accounts are subject to analysis

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