Personal Checking Accounts

The way you bank is a personal choice.  That's why we offer many convenient checking account options to meet your individual needs.  Whether you're writing checks, viewing statements online, or racking up the interest, we've got a checking solution designed just for you!

 

 

All of our checking accounts include:

  • Free Online Banking
  • Free Bill Pay
  • Free Mobile Banking
  • Free monthly statements with images

Type of Account

Requirements

Interest Bearing?

Activity Fees

Special Features

Free

**if requirements not met will be converted to Regular account

Opening Balance: $50.00

No monthly minimum

NO

No monthly service charge

Standard fees apply (e.g., overdraft fee)

MUST enroll through internet banking to receive monthly e-statements

Overdraft privilege may apply**

Regular

Opening Balance: $50.00

Monthly minimum: $300.00

NO

$6.00 service charge per month if balance falls below minimum at any time during statement cycle

Standard fees apply

Overdraft privilege may apply**

Economy

Opening Balance: $50.00

No monthly minimum

NO

$1.50 service charge per month

$0.10 per written check

Standard fees apply

Overdraft privilege may apply**

Super NOW

Opening Balance: $750.00

Monthly minimum: $750.00

Interest paid monthly*

$7.50 service charge per month if balance falls below minimum at any time during statement cycle

Unlimited check writing

Overdraft privilege may apply**

Fabulous 50’s Club

Opening Balance: $500.00

Monthly minimum: $500.00

MUST be 50 years or older

NO

No service charge on non-interest bearing accounts

FREE exclusive checks (120 per year)

20% discount on one safe deposit box ($14.00 savings per year)

FREE cashier’s checks ($3.00 savings per check)

Free money orders ($2.25 per money order)

Overdraft privilege may apply**

Money Market Demand

Opening Balance: $1,000.00

Monthly minimum: $1,000.00

Interest paid monthly*

$7.50 service charge per month if balance falls below minimum at any time during statement cycle

Regulation D applies***

Money Market Demand Gold

(this is a tiered interest account)

Opening Balance: $1,000.00

Monthly minimum: $1,000.00

Interest paid monthly*

Current rate and APY are based on daily balance in account (see below)

$0.01 to $10,000.00
$10,000.01 to $25,000.00
$25,000.01 to $50,000.00
$50,000.01 to $100,000.00
$100,000.01 to $200,000.00

$7.50 service charge per month if balance falls below minimum at any time during statement cycle

NO interest accrued if account balance falls below minimum at any time during the statement cycle

 

Regulation D applies***

*Interest is accrued daily on collected balances at current market rates (subject to change) and paid monthly. At our discretion, we may change the interest rate and annual percentage yield on your account at any time. Interest begins to accrue on the business day you deposit cash or non-cash items. We use the daily balance method to calculate the interest on your account. This method applies a daily periodic rate to the principal in the account each day. If you close your account, the accrued interest will be paid.

**You may be eligible for our Overdraft Privilege service.  In the event that you make an honest mistake in your checkbook, run short of cash between paydays, or have unplanned expenses, the Bank will strive to pay the negative available funds balance.  The overdraft service is a discretionary service and restrictions do apply.  See your local branch for complete details.

*** Regulation D transaction limitations: Limitations to the Money Market Demand Accounts apply to preauthorized transfers, automatic transfers, telephone transfers, computer transfers, checks drafts, debit card transactions, or by similar order to third parties are limited to no more than six per statement cycle. Transaction limitations do not apply to transfers or withdrawals made by mail, messenger, ATM, or in person. If you exceed the transfer limitations set forth above, your account will be subject to change or closure.

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