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Personal Checking Accounts

Free Checking Account

Requirement: Minimum opening deposit: $25.00

Account Fees: $0

Options: Debit Card or ATM Card

Choice Checking Account

A budget account for individuals who write 10 checks or less per month.

Requirement: Minimum opening deposit: $100.00

Account Fees: $3 per month and 50 cents for each check in excess of ten

Options: Debit Card or ATM Card

Personal NOW Checking Account

Requirement: Minimum opening deposit: $1,200.00

Account Fees: Average daily balance less than $1,200: $10/month; A check fee of 15 cents will be charged for each check in excess of 30 during the statement cycle.

Options: Debit Card or ATM Card

Personal Checking Account

Ideal for the individual able to maintain a minimum balance of $800.

Requirement: Minimum opening deposit: $100.00

Account Fees:

Balance falls below $300: $8.00 / Month
Balance is between $300 & $599.99: $6.00 / Month
Balance is between $600 & $799.99: $4.00 / Month
Balance is at minimum $800: No Charge

A per item fee of 10 cents will also be charged for each check in excess of 30 during the statement cycle.

Options: Debit Card or ATM Card

Masters Checking Account

For individuals age 55 or older.

Requirement: Minimum opening deposit: $100.00

Account Fees: $3 will be imposed every statement cycle if the balance in the account falls below $300.

Options: Debit Card or ATM Card; 30% discount on personalized checks; half price on a small safe deposit box; free travelers checks and domestic wire transfers.

Personal Money Market Account

Requirement: Minimum opening deposit: $2,500.00

You may make six (6) transfers from your account each four (4) weeks or similar period, by preauthorized or automatic transfer, telephone (including data transmission) agreement, order or instruction.

Transfers and withdrawals made in person, by messenger, by mail or at an ATM are unlimited.

Account Fees: $12 will be imposed each month if the average daily balance falls below $2,500.
The following fee applies to this account:
Excessive Withdrawal Fee: $10 will be charged for each debit transaction in excess of six (6).

Health Savings Account

By establishing a Health Savings Account (HSA)-in conjunction with a high-deductible health plan (HDHP)-you are taking healthcare savings into your own hands to help make the decisions that are right for you when it comes to medical expenses.

Requirement: Must be covered by High Deductible Health Plan (HDHP) and under the age of 65; and not receiving Medicare benefits. Minimum opening deposit is $100.00.

Account Fees: $5.00 monthly

Detailed Information

Balance Information: We use the average daily balance method to calculate the fees charged and the interest earned on your account. This method applies a periodic rate to the average daily balance in the account for the period. The average daily balance is calculated by adding the principal in the account for each day of the period and dividing that figure by the number of days in the period.

Money Market Balance Information: We use daily balance method to calculate interest on your account. This method applies a daily periodic rate to the principal in the account each day.

Money Market Rate Information: This account is a Tiered-Rate interest bearing account. Obtain a separate Rate Sheet from a New Accounts Representative to obtain the current interest rates and annual percentage yield applicable to the rate tier. 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.

Rate Information: This account is an interest bearing account. 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.

Additional Information

USA Patriot Act and our Customer Identification Program requires identification for all New Accounts.

Fair and Accurate Credit Transaction Act ("Fact ACT Identity Theft Program")
Additional documentation may be required to detect, prevent and mitigate identity theft. We ask for your patience and understanding if you are asked to provide additional documentation, especially when conducting account maintenance, ordering Debit or ATM cards, or requesting an address change.

Guard Against Internet Fraud and Unauthorized Account Activity
Always be cautious when responding to requests for special offers delivered through unsolicited e-mail. Guard your personal and business information. Monitor your account activity frequently.

  

To report a lost or stolen ATM/Debit card call:

1-800-500-1044

 

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