Checking Accounts

Regular Checking

(Opening deposit: $250) The simple, economical way to bank. There is no monthly maintenance fee. The account features:

• Unlimited check writing privileges.
• Convenient monthly statements with check images (Optional electronic statements available)
• 24-hour Bank-by-Phone.
• ATM/Debit card available with no annual fee.
• Internet banking with electronic bill payment option at no charge.

Interest Checking

(Opening deposit: $1,000) This account pays interest on average daily balances of $1,000 or more. If your average daily balance for the month is $2,000 or more, there is no monthly maintenance fee. If your balance drops below the minimum at any time during the month, there will be a $15 fee. This account features:

• Unlimited check writing privileges.
• Convenient monthly statements with check images (Optional electronic statements available)
• 24-hour Bank-by-Phone.
• Pays interest on average daily balances of $1,000 or more.
• ATM/Debit card available with no annual fee.
• Internet banking with electronic bill payment option at no charge.

Senior Interest Checking

(Opening deposit: $500) Designed for people age 50 and over, this account pays interest on average daily balances of $1,000 or more. There is no limit on the number of checks that can be written, and no monthly maintenance fees. This account features:

• Unlimited check writing privileges.
• Convenient monthly statements with check images (Optional electronic statements available)
• 24-hour Bank-by-Phone.
• Pays interest on average daily balances of $1,000 or more.
• ATM/Debit card available with no annual fee.
• Internet banking with electronic bill payment option at no charge.
• No fee for cashiers checks and traveler’s checks.
• Free photocopies.
• Free notary service.
• Free rent on a 3 x 5 safe deposit box for the first year.

Money Market Checking

(Opening deposit: $1,000) Take advantage of high yields and instant access to your money with unlimited withdrawals made in person and up to 6 preauthorized withdrawals per statement cycle, of which 3 can be by check. With tiered interest rates, the higher your average daily balance for the month, the higher the annual percentage yield earned. Interest is paid on average daily balances of $1,000 or more.

If your average daily balance for the month is $2,500 or more, there is no monthly maintenance fee. If your balance drops below the minimum during the month, there will be a $15 fee. Other features of this account:

• Liquidity.
• Tiered interest rates.
• Limited check writing capabilities.
• Convenient monthly statement with check images (Optional electronic statements available).
• 24-hour Bank-by-Phone.
• Internet banking with electronic bill payment option at no charge.