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Consumer  Preferred Checking

Minimum Balance to Open the Account: $100.00
Minimum Balance to Avoid a Monthly Service Charge: If, during any statement cycle, your average daily balance falls below $200.00, your account will be subject to a $5.00 Service Charge for that statement cycle. The average daily balance is calculated by adding the balance in the account for each day of the period and dividing that figure by the number of days in the period.
Deposit limitations: You may make an unlimited number of deposits into your account.
Fees and Charges: The following fees and charges apply to this account :

  • Service Charge: We impose a fee of $.05 per debit item after 30 each statement cycle if average daily balance falls below $200.00. The maintenance fee and excess check fee will not apply to full-time students or customers over 62.
Additional Terms: The following terms apply to this account:
  • Internet - no fees.
  • Bill Pay - no fees.
  • ATM card is free and no withdrawal or transfer fees at our ATM's
  • Debit Card is free and Point of Sale purchases have no fees.
  • First fifty (50) In-House checks - free.

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Now Account

Minimum Balance to Open the Account: $1,000.00
Minimum Balance to Avoid a Monthly Service Charge: $1,000.00 daily balance
Below Minimum Balance Service Charge: $5.00 per statement cycle
Fees: $.10 for each debit item after 30 each statement cycle if daily balance falls below $1,000.00
Transaction Limitations: None
Interest: Interest will be compounded and credited into this account monthly.
ATM/Debit Card: 30 days after account opening upon approval
 

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Super Now Account

Minimum Balance to Open the Account: $2,500.00
Minimum Balance to Avoid a Monthly Service Charge: $2,500.00 daily balance
Below Minimum Balance Service Charge: $15.00 per statement cycle
Fees: $.10 for each debit item after 30 each statement cycle if daily balance falls below $2,500.00
Transaction Limitations: None
Interest: Interest will be compounded and credited into this account monthly.
ATM/Debit Card: 30 days after account opening upon approval
 

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Money Market Account

Minimum Balance to Open the Account: $2,500.00
Minimum Balance to Avoid a Monthly Service Charge: $2,500.00 daily balance
Below Minimum Balance Service Charge: $10.00 per statement cycle
Transaction Limitations: Transfers or withdrawals made to another account of the same depositor at the same bank or to third parties, if made by the following are limited to six  per month - PREAUTHORIZED TRANSFERS - AUTOMATIC TRANSFERS - TELEPHONE - ONLINE BANKING - CHECK OR DRAFT - DEBIT CARD. If the limitations are exceeded, $10.00 may be charged for each withdrawal , check, draft, or transfer in excess of  the six per statement cycle. The account will be subject to closure for the continued violation of limitations.
Interest: Interest will be compounded and credited into this account monthly.
ATM/Debit Card: 30 days after account opening upon approval
 

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