Checking

Local Checking Products

Advantage Flex Account Checking - $50 deposit to open

Account Fees:

  • This account does not require a minimum balance
  • Images will not be provided with the statement
  • A monthly fee of $4.00 will be assessed unless you met one of the following criteria
  • 1) e-Statement - NO Fee
  • 2) POS/ Debit card(not ATM) transactions 10 or more posted per statement cycle - NO Fee
  • 3) Average account balance $1,000 or greater per statement cycle - NO Fee  
  • 4) ACH/Direct Deposit $1,000 or greater per statement cycle - NO Fee
  • 5) Loan Balances $1,000 or greater -NO Fee ( Loan and Deposit must be in the same Customer Information File)
50+ Checking - $50 deposit to open

Account Available to those customers 50 and over

Account Fees:

  • This account requires minimum balance of $100.00
  • $5.00 maintenance charge if balance falls below minimum
  • No per check charge
  • Unlimited check writing
  • Complimentary wallet style club checks. All other checks at a 40% discount
  • No charge for Cashier Checks & Money Orders
  • 50% off rental of our smallest safe deposit box
  • Images will be provided with the statement
Traditional Checking - $50 deposit to open

Account Fees:

  • This account requires a minimum balance of $500.00
  • If the account falls below $500.00 the following fees will apply:
  • Monthly maintenance charge $4.00
  • Checks/ACH/EFT/ATM/POS debits $.20 per item
50+ Interest - $50 deposit to open

Account Available to those customers 50 and over

Account Fees:

  • This account requires minimum balance of $1,000.00
  • $7.50 service charge if balance falls below minimum
  • No per check charge
  • Unlimited check writing
  • Complimentary wallet style club checks. All other checks at a 40% discount
  • No charge for Cashier Checks & Money Orders
  • 50% off rental of our smallest safe deposit box
  • Images will be provided with the statement

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.
Interest Checking - $50 deposit to open

Account Fees:

  • This account requires a $1,000.00 minimum balance
  • If the account falls below $1,000.00 the following fees will apply:
  • Monthly maintenance charge $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.
Money Market Checking - $500 deposit to open

Account Fees:

  • Excessive withdrawal item charge of $5.00 per item if over four (4) items per statement cycle

Rate Information:

  • This account is an interest bearing account.
  • The interest rate and annual percentage yield will depend upon the daily balance in the account.
  • Interest Rates are available upon request.
  • The interest rate and annual percentage yield may change.
  • 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).
  • 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.

Balance Information:

  • 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.

Limitations:

  • You must deposit $500.00 to open this account.
  • You may make six (6) transfers from this account each four (4) week, or similar, period by preauthorized or automatic transfer, telephone (including data transmission) agreement order or instruction. Six (6) of these transfers may be made by check, draft, debit card or similar order (including POS transactions), made by the depositor and payable to third parties.
  • Transfers and withdrawals made in person, by messenger, by mail or at an ATM are unlimited.

 

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