Advantage Checking

Account Fees:

• This account does not require a minimum balance
• This account has no monthly service charges
• Images will not be provided with the statement

50+ Checking

Account Fees:

• This account requires a $100.00 minimum balance
• $5.00 monthly maintenance fee
• Basic checks are provided
• Images will be provided with the statement
• Wallet style club checks are provided at no charge.
• 50% off rental of our smallest safe deposit box.

50+ Interest

Account Fees:

• $50.00 deposit to open account
• Minimum balance $1000.00
• $7.50 service charge if balance falls below minimum
• No per check charge
• Unlimited check writing
• FREE wallet style club checks. All other checks at  a 40% discount
• FREE Travelers Cheques
• FREE Cashier Checks & Money Orders
• Small Safe Deposit Box-1/2 off annual fee

Interest Checking

Account Fees:

• This account requires a $1,000.00 minimum balance
• If the account falls below $1,000.00 the following fees will apply:
  
  
  • Balance $999.99-$500.00, monthly maintenance fee $9.00
  • Balance $499.99-and below, monthly maintenance fee $9.00

Rate Information:

• This account is an interest bearing account.
• Current interest rates and annual percentage yield may be obtained by calling the bank.
• At our discretion, we may change the interest rate on the account daily.
• Interest begins to accrue no later than the business day we receive credit for the deposit of non-cash items (for example, checks).
• We use the daily balance method to calculate the interest on the account. This method applies a daily periodic rate to the principal in the account each day.
• Interest will be compounded monthly and will be credited to the account monthly.
• If the account is closed before interest is credited you will not receive the accrued interest.