Free Checking
The account is for the individual that doesn’t need or want their checks back.
Requirements:
- Minimum Balance to Open – $100 Non-interest bearing.
- No Checks or Check Images Returned (Safekeeping of checks required).
- Consumer Only Accounts.
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 charge for additional check copy after one.
Non-Interest Checking
A basic checking account.
Requirements:
- Minimum Balance to Open – $100.
- Consumer Only Accounts.
- See Costs for Minimum Balance Requirements.
Benefits:
- Check Safekeeping (checks not returned, but you will receive 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 plus $.25 per debit after 40 debits if the minimum daily balance during the month drops below $500.
- $10 plus $.25 per debit after 40 debits if the minimum daily balance during the month drops below $250.
Student/Senior Checking
Low Cost Checking for Students and Senior Citizens
Requirements:
- Minimum Balance to Open—$100.
- This account is available for junior high, high school, or full-time college students under the age of 23, and for 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’ll receive check images with your statement).
Cost:
- $.25 per debit after 20 debits during the statement cycle.
