eChecking

• Direct Deposit required (Payroll/Social Security Retirement Pay) to open
• eStatement required
• Check images provided with statement
• Refunds on other banks’ ATM Surcharge Fees (customer must submit other banks’ ATM receipts to any teller or customer service representative within 60 days of transaction)
• 4 FREE foreign ATM service charges per month

Free Checking Account

General:

• Copies of checks will be available at a charge of $5.00 per check.
• If this account remains inactive for 18 months, the account will be reclassified as dormant; and, the account will become a Regular Checking Account subject to dormant charges.

Account Fees:

• This account does not require a minimum balance.
• There are no check writing limitations or monthly maintenance fees or service charges.

50+ Club Checking Account

General:

• Wallet style club checks are provided at no charge.
• All other checks are available at a 40% discount.
• No charge for:
  
  
  • Traveler’s Checks
  • Cashiers Checks
  • Personal Money Orders

Account Fees:

• If the balance falls below $100.00, the following charges apply:
  
  
  • Maintenance fee of $5.00
  • Transit items $.10 per item over 25 items

Regular Checking

Account Fees:

• If the balance falls below $500.00, the following monthly fees apply:
  
  
  • Maintenance fee of $5.00
  • Checks/ACH/EFT/ATM/POS debits $.20 per item
  • Transit items $.10 per item over 25 items
  • Check images provided with statement

Interest Checking Account

Account Fees:

• This account requires a $1,000.00 minimum balance for unlimited check writing.
• If the balance falls below $1,000.00, the following charges apply:
  
  
  • Maintenance fee of $7.50
  • Checks and ACH/EFT/ATM debits $.15 per item over 25 items
  • $.10 per transit item over 25 items.

Rate Information:

• This account is an interest-bearing account.
• The interest rate and annual percentage yield are available on request.
• At our discretion, we may change the interest on the accounts daily.
• Interest begins to accrue no later than the business day we receive credit for the deposit of non-cash items (for example, checks).
• Interest will be compounded monthly for checking accounts we us the daily balance method to calculate the interest on an account.
• This method applies a daily periodic rate to the principal in the account each day.
• If the account is closed before interest is credited, you will not receive the accrued interest.