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Personal Banking
Checking Accounts | Savings Accounts | Services | Fees & Charges
 

Checking Accounts

A minimum deposit of $100.00 is required to open all checking accounts.

Regular Checking

Our Regular Checking account offers no service charge if your daily balance is $500.00 and above during the monthly statement cycle.

Monthly Service Charge Schedule:

Minimum Balance During Month Service Charge of
$400.00 to $499.99 $5.00
$300.00 to $399.99 $6.00
$200.00 to $299.99 $7.00
$ 0.00 to $199.99  $8.00
Internet Banking no charge
Bill Pay $6.00
ATM/VISA® Check Card $2.00

E-CHECKING

Our E-Checking Account allows you to have a no monthly service charge checking account

  • No minimum balance required
  • No monthly service charge
  • No monthly ATM/VISA® Check Card fee
  • No Bill Pay charge - Must use your VISA® check card for 12 or more credit purchases during the month (if the number of credit purchases is below 12 the account will be charged the Bill Pay fee of $6.00)

Senior Citizen Account

Our Senior Citizen Account allows you to have a checking account with no monthly service charge.

  • No service charge for our seniors 60 and older.
  • No minimum balance required.

Student Accounts

Our Student Accounts allow you to have a checking account with no monthly service charge as long as you are enrolled full-time.

  • No minimum balance required.
  • Students must verify their status with the bank yearly.

Now Accounts (Negotiable Order of Withdrawal)

  • Our Now Accounts are interest bearing checking accounts.
  • No monthly service charge for accounts with a minimum balance of $1500.00 plus $.20 per item over 25 items.
  • Monthly service charge of $10.00 for accounts with balances of below $1500.00 plus $.20 per item over 25 items.
  • Interest calculated on the daily balance method and paid monthly.
  • Non-sufficient funds handled same as checking accounts.
  • Rates subject to change without notice. Check with Bank for current rates.