Consumer Checking

Regular Checking

$100 opening deposit required
Unlimited check writing
Free ATM card
$6.50 monthly service charge——$7.50 if statement is mailed

Electronic Checking

$100 opening deposit required
You must maintain a $500.00 minimum daily balance or a minimum average monthly balance of $750.00 to avoid a monthly service charge of $5.00
FREE Debit or ATM Card
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 plus your regular monthly service charge for that month. 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**	.01%	.01%
$2,500.00 and over	Interest Rate & APY**	.03%	.03%

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
Free ATM or Debit Card

“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
One free Stop Payment per month
Free Cashiers Checks
Accidental Death Insurance

Money Market Accounts

$1000 opening deposit required
Tiered interest rate according to your daily balance.
If your balance falls below $1,000 on any day in the month, your account will be subject to a $12.00 service charge for that month.
If check images are returned with your monthly statement there will be a $4.50 monthly service charge. Service charge may reduce earnings.

Variable Rates – Tiered Balance Structure

$0.01 – $2,499.99	Interest Rate & APY**	0.03%	0.03%
$2,500.00 – $9,999.99	Interest Rate & APY**	0.03%	0.03%
$10,000.00 – $24,999.99	Interest Rate & APY**	0.03%	0.03%
$25,000.00 – $49,999.99	Interest Rate & APY**	0.05%	0.05%
$50,000.00 – $99,999.99	Interest Rate & APY**	0.07%	0.07%
$100,000 and over	Interest Rate & APY**	0.07%	0.07%

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 October 27, 2020 and are subject to change at any time