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Checking Accounts:
Personal Checking Account
| Feature |
Requirement/Charge |
| Minimum Initial Deposit |
$100.00 |
| Minimum Balance Required During Statement
Cycle: |
| $800 and Over |
No Charge |
| $600 - $799.99 |
$2.00 |
| $400 - $599.99 |
$3.00 |
| $200 - $399.99 |
$4.00 |
| $199.99 and Under |
$5.00 |
| Statement Period |
Monthly |
| Overdraft Charge (Per Item) |
$24.00 |
| Insufficient Funds Charge (Per Item) |
$24.00 |
| Stop Payment Charge (Per Item) |
$12.50 |
| Senior Citizens - 62 years and older are
exempt from maintenance fee and also get FREE personalized safety paper
checks |
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Bonus Checking Account
| Feature |
Requirement/Charge |
| Minimum Initial Deposit |
$100.00 |
| Minimum Balance Required During Statement Cycle: |
None |
| Accidental Death Insurance |
| Basic ($20,000) |
$8.00 |
| Personal ($40,000) |
$10.00 |
| Family ($60,000) |
$12.00 |
| Over 70 Basic ($10,000) |
$4.00 |
| Over 70 Personal ($20,000) |
$6.00 |
| Over 70 Family ($30,000) |
$8.00 |
| Statement Period |
Monthly |
| Overdraft Charge (Per Item) |
$24.00 |
| Insufficient Funds Charge (Per Item) |
$24.00 |
| Stop Payment Charge (Per Item) |
$6.25 |
| Bonus Checking Checks |
No Charge |
| Additional Benefits: |
| Member Magazine |
No Charge |
| Traveler’s Advantage & Discount |
No Charge |
| Traveler’s Checks - Regular |
No Charge |
| Dual Signatures |
$2.00/hundred |
| Credit Card Registration |
No Charge |
| Shopper’s Advantage |
No Charge |
| Wire Transfer |
No Charge |
| Notary |
No Charge |
| Cashier’s Checks |
No Charge |
| Money Orders |
No Charge |
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Student Checking Account
| Feature |
Requirement/Charge |
| Minimum Initial Deposit |
$50.00 |
| Minimum Balance Required During Statement Cycle: |
None |
| Statement Period |
Monthly |
| First Order Safety Paper Checks |
No Charge |
| Overdraft Charge (Per Item) |
$12.00 |
| Insufficient Funds Charge (Per Item) |
$12.00 |
| Stop Payment Charge (Per Item) |
$12.50 |
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Commercial Checking Account
| Feature |
Requirement/Charge |
| Minimum Initial Deposit |
$100.00 |
| Minimum Balance Required During Statement Cycle: |
None |
| Statement Period |
Monthly |
| First Order Safety Paper Checks |
No Charge |
| Overdraft Charge (Per Item) |
$24.00 |
| Insufficient Funds Charge (Per Item) |
$24.00 |
| Stop Payment Charge (Per Item) |
$12.50 |
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NOW Checking Account
| Feature |
Requirement/Charge |
| Minimum Initial Deposit |
$1,000.00 |
| Minimum Balance Required to obtain APY |
$1,000.00 |
| Minimum Balance Required During Statement Cycle: |
| $1,000 and Over |
No Charge |
| $999.99 and Under |
$5.00 |
| Interest Earned |
| Compounded and Credited |
Monthly |
| Computation Method |
Daily Balance |
| On non-cash items, interest will begin to accrue
when funds are collected |
If account is closed before interest is credited,
you will not receive the
accrued interest |
| Statement Period |
Monthly |
| Overdraft Charge (Per Item) |
$24.00 |
| Insufficient Funds Charge (Per Item) |
$24.00 |
| Stop Payment Charge (Per Item) |
$12.50 |
|
Your interest rate and annual percentage yield may change. At
our discretion, we may change the interest on your account at any time.
|
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Super-NOW Checking Account
| Feature |
Requirement/Charge |
| Minimum Initial Deposit |
$2,500.00 |
| Minimum Balance Required to obtain APY |
$2,500.00 |
| Minimum Balance Required During Statement Cycle: |
| $2,500 and Over |
No Charge |
| $2,499.99 and Under |
$5.00 |
| Interest Earned |
| Compounded and Credited |
Monthly |
| Computation Method |
Daily Balance |
| On non-cash items, interest will begin to accrue
when funds are collected |
If account is closed before interest is credited,
you will not receive the
accrued interest |
| Statement Period |
Monthly |
| Overdraft Charge (Per Item) |
$24.00 |
| Insufficient Funds Charge (Per Item) |
$24.00 |
| Stop Payment Charge (Per Item) |
$12.50 |
| Your interest rate and annual percentage yield may change. At
our discretion, we may change the interest on your account at any time.
|
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Reward Checking
Interest Paid on Daily Collected Balance
| Feature |
Requirement/Charge |
| Minimum Initial Deposit |
None |
| Minimum balance required |
None |
| Check Card** |
No Charge |
| Check Writing |
Unlimited |
| Receipt of Statements |
| e-Statements |
No Charge |
| Postal Mail |
$3.00 |
| Foreign ATM Fees – Refunded up to $10.00 |
No Charge |
| Your interest rate and annual percentage yield may change. At
our discretion, we may change the interest on your account at any time.
|
** In order to receive the rewards you must use you Visa Check Card a minimum
of 10 times per month
not including ATM transactions
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