Personal Checking

V.I.P. Checking

• No minimum balance
• AD&D insurance¹ available at 3 levels
• Monthly Fee of $8, $9 or $10 (based on insurance level)
• 2 Free boxes of checks per year
• Official check issue at no charge (up to 4 per month)

E-Checking

• No minimum balance
• No monthly service charge
• Interest rate will depend on meeting the criteria (Contact a Customer Service Representative for rates)
• Criteria:
  • Access Internet Banking and Bill Pay
  • Receive a Direct Deposit
  • Keep a valid e-mail address on file
  • Have a minimum of 10 debit card transactions per statement cycle that have posted and cleared.
  • Receive statements electronically
• Receive up to $12 back for foreign ATM fees in a statement cycle

Now Checking

• $1000 minimum balance
• Competitive Interest Rate (Contact a customer service representative for rates)
• Fees could reduce the earnings on the account
• $8.00 service charge applies if balance falls below $1000
• Corporations may not apply

Super Now Checking

• Higher interest rate than Now Checking (Contact a Customer Service Representative for rates)
• Fees could reduce the earnings on the account
• $11.00 service charge applies if balance falls below $2500
• Corporations may not apply

Money Market Checking

• Five tiers to maximize your return
• Transfers to other accounts or 3rd parties by pre-authorized or automatic transfer or draft are limited to 6 per statement cycle.
• Fees could reduce the earnings on the account
• $11.00 service charge applies if balance falls below $1000

Gold 50 Checking

(For those age 50 or better)

• AD&D insurance¹ in the amount of $1,000
• 1 box of club checks per calendar year at no charge
• Official check issue at no charge (Maximum of 4 per month)
• $8.00 service charge per month applies if balance falls below $100

Gold 50 Plus

(For those age 50 or better)

• AD&D insurance¹ in the amount of $11,000
• 2 boxes of club checks per calendar year at no charge
• Official check issue at no charge (maximum of 4 per month)
• $7.00 service charge per month

Regular Checking

• $7.00 service charge per month applies if balance falls below $500

Value Checking

• $3.00 service charge per month
• Up to 6 withdrawals per month ($.50 per item after 6 withdrawals)