Consumer Checking

Regular Checking

$100 opening deposit required
No minimum balance required
Unlimited check writing
Free ATM card
$5.50 monthly service charge

Consumer Free Checking

$100 opening deposit required
No minimum balance required
Unlimited check writing
Free ATM Card
No Images returned with statement

Electronic Free Checking

$100 opening deposit required
NO minimum balance required
NO monthly service charge
FREE checks
FREE Debit or ATM Card
FREE Images
FREE Online Bill Pay
FREE Online Banking
Statements must be received electronically via encrypted email

Interest Checking**

$100 opening deposit required
You must maintain a $500.00 minimum daily balance or an average daily balance of $750.00 to avoid a monthly service charge of $10.00. Service charge may reduce earnings.
If images are returned with statement there will be a $4.50 per month service charge
Unlimited check writing
Free ATM card

Tiered Rates

$0.01 – $2,499.99 Interest Rate & APY**

.02%

.02%

$2,500.00 and over Interest Rate & APY**

.05%

.05%

Rates may change after the account is opened

“Student” Checking

$100 opening deposit required
No minimum balance
Non-Interest bearing account
Free checks
Unlimited check writing
If check images returned with statement, $4.50 per month
15 free debit card transactions per month, then $0.25 each

“Senior”Checking

$100 opening deposit required
No minimum balance
Non-interest bearing account
Free checks
Unlimited check writing
Free ATM card
If check images returned with statement, $4.50 per month

The “Premium” Club Account

$100 opening deposit required
A monthly service charge of $10.50 (Individual) or $11.50 (Joint) will be charged per month.
Unlimited Checking
Images returned with statement
Free Personalized Checks
Free Debit Card
Free Transfers
Free 3×5 Lock Box
Free Stop Payments
Free Cashiers Checks
Accidental Death Insurance

Money Market Accounts

$1000 opening deposit required
Tiered service charge according to your monthly balance.
$0 – $999.00, $12.00 per month.
$1000.00+, no charge.
If check images are returned with your monthly statement there will be a $3.50 monthly service charge Service charge may reduce earnings.

Variable Rates – Tiered Balance Structure

$0.01 – $2,499.99 Interest Rate & APY** 0.05% 0.05%
$2,500.00 – $9,999.99 Interest Rate & APY** 0.05% 0.05%
$10,000.00 – $24,999.99 Interest Rate & APY** 0.05% 0.05%
$25,000.00 – $49,999.99 Interest Rate & APY** 0.10% 0.10%
$50,000.00 – $99,999.99 Interest Rate & APY** 0.10% 0.10%
$100,000 and over Interest Rate & APY** 0.15% 0.15%

Rates may change after account is opened

Fees can reduce earnings

The above accounts are subject to all fees and charges listed under Common Features, including check order charges.

All monthly service charges are subject to state and local option sales taxes.

**Interest Checking accounts and Money Market accounts are compounded monthly and are variable rate accounts.

APY = Annual Percentage Yield
APY accurate as of July 11, 2012 and are subject to change at any time