Personal Checking Accounts

Minimum to Open: $25

Product Pricing & Charges:

• $5.00 monthly service charge (no monthly charge if average daily collected balance per statement cycle of $25.00 is maintained or with a monthly direct deposit)
• No Check writing or Bill Pay allowed
• 4 Free Money Orders or Treasurer checks per month
• No Overdraft or Insufficient Funds (NSF) fees or Payments
• No Account Activation, Closure, Dormancy, Inactivity, and Low Balance Fees
• ATM/POS fees waived (proprietary and foreign)

Features & Restrictions:

• ATM Card
• Debit Card
• Free Telephone Banking
• Free Internet Banking

Minimum to Open: $50

Product Pricing & Charges:

• $5.00 monthly service charge (no monthly charge if average daily collected balance per statement cycle of $500.00 is maintained or with a monthly direct deposit)
• No per check charge
• ATM/POS fees waived (proprietary and foreign)

Features & Restrictions:

• ATM Card
• Debit Card
• Overdraft Protection*
• Free Telephone Banking
• Free Internet Banking/Bill Pay
• Basic checks free

*Application & Approval Required

Minimum to Open: $100

Product Pricing & Charges:

• $5.00 monthly service charge (no monthly charge if average daily collected balance per statement cycle of $1,000 is maintained)
• $1000 minimum daily balance to earn interest
• ATM/POS fees waived (proprietary and foreign)

Features & Restrictions:

• ATM Card
• Debit Card
• Free Internet Banking and Bill Pay
• Free Telephone Banking
• Overdraft Protection*
• Image checks returned

*Application & Approval Required

Minimum to Open: $2,500

Product Pricing & Charges:

• $5.00 monthly service charge (no monthly charge if average daily collected balance per statement cycle of $2,500 is maintained)
• No per check charge
• ATM/POS fees waived (proprietary and foreign)

Features & Restrictions:

• ATM Card
• Debit Card
• Free Internet Banking and Bill Pay
• Free Telephone Banking
• Overdraft Protection*
• Image checks returned

*Application & Approval Required

Minimum to Open: $5,000

Product Pricing & Charges:

• $15.00 monthly service charge (no monthly charge if average daily collected balance per statement cycle of $5,000.00 is maintained or with a monthly direct deposit)
• No per check charge
• ATM/POS fees waived (proprietary and foreign)

Features & Restrictions:

• ATM Card
• Debit Card
• Overdraft Protection*
• Free Telephone Banking
• Free Internet Banking/Bill Pay
• Image checks returned
• Identity theft protection with IDProtect®
• Cellular Telephone Protection

*Application & Approval Required

Minimum to Open: $50

Product Pricing & Charges:

• No monthly service charge
• ATM/POS fees waived (proprietary and foreign)

Features & Restrictions:

• Restricted/Lower ATM/POS Limits
• Minor account ages 10- 18 years old. (COO approval if younger than 10 years old.)
• A parent or legal guardian as joint owner on account
• Free Telephone Banking
• Free limited Internet Banking (no external or wire transfers and no bill pay)
• E-statement enrollment encouraged

Upon 18^th Birthday or 17 and joining the military or entering college the account can be closed and reopened as a single ownership account in any checking product offered.

Minimum to Open: $1000

Product Pricing & Charges:

• $1000 minimum average daily collected balance to earn interest
• $2.00 monthly service charge (no monthly charge if average daily collected balance per statement cycle of $1,000 is maintained).
• Tiered Rates:
  • $0 to $999.99
  • $1000 to $2,499.99
  • $2,500 and up

Features & Restrictions:

• ATM Card
• No Debit Card
• Free Internet Banking (No Bill Pay)
• Free Telephone Banking
• Image checks returned

Minimum to Open: $5,000

Minimum to Open: $1000

Minimum to Open: $1,000,000

Product Pricing & Charges:

• $1,000,000 minimum average daily collected balance to earn interest
• $25.00 monthly service charge (no monthly charge if average daily collected balance per statement cycle of $1,000,000 is maintained).
• Tiered Rates:
  • $0 to $999,999.99
  • $1,000,000 and up

Features & Restrictions:

• ATM Card
• No Debit Card
• Free Internet Banking (No Bill Pay)
• Free Telephone Banking
• Image checks returned