Index
Checking
| Account Type | Opening Deposit | Monthly Service Charge | ATM/Debit Card | Interest Bearing |
 FREE Personal Checking |
$50.00 | NONE | Available | NO |
| Commercial Checking |
$100.00 | None when minimum balance is maintained | Unavailable | NO |
| NOW Interest Rates |
$1,100.00 | None when minimum balance is maintained | Available | YES |
Free Personal Checking - No strings attached - it's FREE!
- No monthly service charge
- No activity fees
- No minimum balance required
- No direct deposit required
- Minimum opening deposit is $50.00
Other services provided according to special handling fee schedule
Commercial Checking
Unlimited check writing, if your average collected balance is $500.00 or above there is no service charge. If your balance drops below $500.00 a monthly service charge of $6.00 will be assessed. The minimum opening deposit is $100 and checks are available at the current price.
Other services provided according to special handling fee schedule
NOW Interest Rates
Interest Rate and Annual Percentage Yield (APY) Effective as of June 18, 2013.
The convenience of a checking account while earning interest on qualifying balances is yours with the NOW. If your average collected balance is $1,100 or above, there is no monthly service charge. If your average collected balance falls below $1,100 there is a monthly service charge of $6. If your average collected balance is $1.00 or above you earn the current interest rate. This is a variable interest rate account. The interest rate may change after account opening.
The following are eligible to have a NOW account:
- One or more individuals, including sole proprietorships.
- A not-for-profit organization operated primarily for religious, philanthropic, charitable, educational, political, or similar purposes.
- A government unit of the United States, or any state, county, or municipality of the United States, or any United States territory or possession.
- A fiduciary (either individual or corporate) if the beneficiary is otherwise eligible to maintain a NOW account.
- Pension funds, escrow accounts, and security deposits if the entire beneficial interest is held by one of the eligible individuals or entities listed above.
Other services provided according to special handling fee schedule
| NOW Interest Rates | ||||
| Account Type | Minimum Deposit to Open Account | Minimum Balance to Obtain APY | Interest Rate | Annual Percentage Yield |
|---|---|---|---|---|
| NOW | $1,100.00 | $1.00 | 0.10% | 0.10% |
| This is a variable interest rate account. The interest rate may change after account opening. (fees may reduce earnings on account) Interest Rate and Annual Percentage Yield (APY) Effective as of June 18, 2013. | ||||
