Personal Checking

Personal Checking Accounts

We’ve listened to our customers and have put together a variety of checking accounts that meet your specific financial needs. Open an account with us and see the difference in quality and customer service from your local community bank!

DELUXE CHECKING ACCOUNT

Minimum balance to open the account-You must deposit $100.00 to open this account.
Minimum balance to avoid imposition of fees-A service charge fee of $4.00 (plus a per debit transaction fee of $.30 will be charged for each debit transaction, withdrawal, check paid, automatic transfer or payment out of this account) will be imposed every statement cycle if the balance in the account falls below $300.00 any day of the statement cycle. You can also avoid this fee by maintaining a $2,500.00 minimum combined daily balance in a regular savings, money market accounts, or certificates of deposit.
This fee will not apply if you are over 62 years old. You must notify us of your eligibility.

PACKAGE OF DISCOUNTS & BENEFITS

Included in the Deluxe Checking:

• No Charge for ATM card
• $15 discount on safe deposit boxes (first year)
• Set up fee waived on Balance Protection plan
• 1/2% discount on installment loans
• No charge for Notary Service

BUDGET CHECKING ACCOUNT

Minimum balance to open the account-You must deposit $100.00 to open this account.
No minimum balance requirement.

Fees:
A maintenance fee of $8.00 will be charged each statement cycle.
-No charge for personalized checks (Greystone style or $5.00 credit per order on other styles)

BASIC CHECKING ACCOUNT

Minimum balance to open the account-You must deposit $100.00 to open this account.
No minimum balance requirement.

Fees:
A service fee of $.30 will be charged for each debit transaction (withdrawal, check paid, automatic transfer or payment out of this account).

STUDENT CHECKING ACCOUNT

Please see the Common Features section for details on this account.

• No minimum balance requirement
• No monthly maintenance fees
• No charge for ATM card
• No charge for first order of checks
• No charge for statement balancing assistance
• Account limited to enrolled students

INTEREST CHECKING ACCOUNT (NOW)

Rate information - Your interest rate and annual percentage yield may change.
Frequency of rate changes - We may change the interest rate on your account at any time.
Determination of rate - At our discretion, we may change the interest rate on your account.
Compounding and crediting frequency - Interest will be compounded every month. Interest will be credited to your account every month.
Minimum balance to avoid imposition of fees - A service charge fee of $6.00 (plus a per debit transaction fee of $.30 will be charged for each debit transaction, withdrawal, check paid, automatic transfer or payment out of this account) will be imposed every statement cycle if the balance in the account falls below $1,000.00 any day of the statement cycle.  You can also avoid this fee by maintaining a $10,000.00 minimum combined daily balance in a regular savings, money market accounts, or certificates of deposit.
Daily balance computation method - 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.
Accrual of interest on noncash deposits - Interest begins to accrue on the first business day after the banking day you deposit non-cash items (for example, checks).

PACKAGE OF DISCOUNTS & BENEFITS

Included in the Interest Checking:

• No charge for personalized checks for Senior Citizens.
• No charge for ATM card
• $15 discount on safe deposit box (first year)
• Set up fee waived on Balance Protection plan
• 1/2% discount on installment loans
• No charge for Notary service

SUPER INTEREST CHECKING ACCOUNT

Rate information - Your interest rate and annual percentage yield may change.
Frequency of rate changes - We may change the interest rate on your account at any time.
Determination of rate - At our discretion, we may change the interest rate on your account.
Compounding and crediting frequency - Interest will be compounded every month. Interest will be credited to your account every month.
Minimum balance to avoid imposition of fees - A service charge fee of $6.00 (plus a per debit transaction fee of $.30 will be charged for each debit transaction, withdrawal, check paid, automatic transfer or payment out of this account) will be imposed every statement cycle if the balance in the account falls below $2,500.00 any day of the statement cycle.  You can also avoid this fee by maintaining a $10,000.00 minimum combined daily balance in a regular savings, money market accounts, or certificates of deposit.
Daily balance computation method - 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.
Accrual of interest on noncash deposits - Interest begins to accrue on the first business day after the banking day you deposit non-cash items (for example, checks).

PACKAGE OF DISCOUNTS & BENEFITS

Included in the Super Interest Checking:

• No charge for personalized checks for Senior Citizens.
• No charge for ATM card
• $15 discount on safe deposit box (first year)
• Set up fee waived on Balance Protection plan
• 1/2% discount on installment loans
• No charge for Notary service

SENIOR ACCOUNT

Minimum balance to open:  The minimum balance required to open this account is $100.00.  No minimum balance requirement.
Deposit limitations: You may make an unlimited number of deposits into your account.
Additional terms:  Must be age 60 or older to qualify for this account.