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Personal Checking


e-Account

A paper-free account that can earn interest.

  • No minimum balance required
  • Must receive e-Statements
  • Free Online Banking with Bill Pay
  • Free Visa Check Card
  • Must have direct deposit
  • Interest applies to monthly balances greater than or equal to $1,000.00

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Value Checking

A quality account for individuals who desire more from their checking account.

  • Free Checks
  • Free Visa Check Card
  • Free TeleBanc
  • Free Online Banking with Bill Pay
  • Safe Deposit Box for a Year – Free first year rental on a new safe deposit box.
  • Interest on Checking – This applies to balances greater than $1,000.00.
  • Coupon – Includes a coupon for .10% (+ on a C/D OR – on a new, consumer installment loan (Home Equity Loans included).
  • Monthly statement – The account receives a monthly statement. Images of paid checks will be included with your monthly statement free of charge.
  • Fee - A maintenance fee of $6.00 will be imposed every month if the balance in the account falls below $250.00 any day of the month. Other fees may be charged to your account. A complete listing of these fees can be found in the Fee Schedule. Please contact any of our offices for a current Fee Schedule.

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Senior Value Checking

A quality account for Seniors (age 50+) who desire more from their checking account.

  • Free Checks
  • Free Visa Check Card
  • Free TeleBanc
  • Free Signature Guarantee
  • Free Money Orders & Cashier Checks (limit of 3/month)
  • Free Online Banking with Bill Pay
  • Safe Deposit Box for a Year – Free first year rental on a new safe deposit box.
  • Interest on Checking – This applies to balances greater than $1.00.
  • Coupon – Includes a coupon for .10% (+ on a C/D OR – on a new, consumer installment loan (Home Equity Loans included).
  • Monthly statement – The account receives a monthly statement. Images of paid checks will be included with your monthly statement free of charge.
  • Fee - A maintenance fee of $6.00 will be imposed every month if the balance in the account falls below $250.00 any day of the month. Other fees may be charged to your account. A complete listing of these fees can be found in the Fee Schedule. Please contact any of our offices for a current Fee Schedule.

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Free Checking

A basic, no-hassle checking account.

  • No minimum balance requirement
  • No monthly maintenance fees
  • Free Visa Check Card
  • Free TeleBanc
  • Free Online Banking
  • Monthly statement - The account receives a monthly statement. Images of paid checks will be included with your monthly statement free of charge.
  • Other fees may be charged to your account including fees imposed for overdrafts created by checks, in-person withdrawals, ATM withdrawals, or by other electronic means. A complete listing of these fees can be found in the Fee Schedule. Please contact any of our offices for a current Fee Schedule.

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NOW Checking

Interest Bearing Checking

  • $1,000.00 opening balance - A deposit of $1,000.00 is required to open this account.
  • Minimum balance - A minimum balance of $1,000.00 must be maintained. A maintenance fee of $6.00 will be imposed every month if the balance in the account falls below $1,000.00 any day of the month. Other fees may be charged to your account. A complete listing of these fees can be found in the Fee Schedule. Please contact any of our offices for a current Fee Schedule.
  • Monthly statement - The account receives a monthly statement. Images of paid checks will be included with your monthly statement free of charge.
  • Interest - The interest rate and annual percentage yield may change. At our discretion, we may change the interest rate for the account at any time. No interest will be paid on the account for the days the daily balance is $999.99 or less. We use the daily balance method to calculate interest on the account. This method applies a daily periodic rate to the principal in the account each day. Interest for the account will be compounded monthly and credited to the account on the last business day of each month. Interest begins to accrue no later than the business day we receive credit for the deposit of noncash items (for example, checks). See our Deposit Rate Schedule for current terms and rates.

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Super NOW Checking

Interest Bearing Checking

  • $5,000.00 opening balance - A deposit of $5,000.00 is required to open this account.
  • Minimum balance - A minimum balance of $5,000.00 must be maintained. A maintenance fee of $6.00 will be imposed every month if the balance in the account falls below $5,000.00 any day of the month. Other fees may be charged to your account. A complete listing of these fees can be found in the Fee Schedule. Please contact any of our offices for a current Fee Schedule.
  • Monthly statement - The account receives a monthly statement. Images of paid checks will be included with your monthly statement free of charge.
  • Interest - The interest rate and annual percentage yield may change. At our discretion, we may change the interest rate for the account at any time. No interest will be paid on the account for the days the daily balance is $999.99 or less. We use the daily balance method to calculate interest on the account. This method applies a daily periodic rate to the principal in the account each day. Interest for the account will be compounded monthly and credited to the account on the last business day of each month. Interest begins to accrue no later than the business day we receive credit for the deposit of noncash items (for example, checks). See our Deposit Rate Schedule for current terms and rates. 
     

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Value Money Market Account

Restricted Checking with Money Market Interest Rates

  • $1,000.00 opening balance - A deposit of $1,000.00 is required to open this account.
  • Minimum balance - A minimum balance of $1,000.00 must be maintained. A maintenance fee of $6.00 will be imposed every month if the balance in the account falls below $1,000.00 any day of the month. Other fees may be charged to your account. A complete listing of these fees can be found in the Fee Schedule. Please contact any of our offices for a current Fee Schedule.
  • Monthly statement - The account receives a monthly statement. Images of paid checks will be included with your monthly statement free of charge.
  • Interest - The interest rate and annual percentage yield may change. At our discretion, we may change the interest rate for the account at any time. No interest will be paid on the account for the days the daily balance is $99.99 or less. We use the daily balance method to calculate interest on the account. This method applies a daily periodic rate to the principal in the account each day. Interest for the account will be compounded monthly and credited to the account on the last business day of each month. Interest begins to accrue no later than the business day we receive credit for the deposit of noncash items (for example, checks). See our Deposit Rate Schedule for current terms and rates.
  • Withdrawals - By law, this account is limited to six (6) pre-authorized (including automatic) transfers of funds per month. Three (3) of these six (6) transactions may be by check, draft, or similar device, payable to a third party. The account will be permitted no more than six (6) withdrawals or pre-authorized transfers, including automatic teller machine transactions per month. A charge of $2.00 per transfer or withdrawal will be assessed for each transfer or withdrawal in excess of the permitted six (6). Exceeding the permitted six (6) may subject the account to closure.

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Health Savings Accounts

Save for future medical expenses by putting money into this account.

  • No minimum balance.
  • You may access your account by check, Internet banking, or TeleBanc.
  • Monthly statement - The account receives a monthly statement.
  • Flexibility – these funds can be used to pay for current medical expenses, including expenses that your insurance may not cover, or save the money for future needs.
  • Ownership – funds remain in the account from year to year, just like an IRA.
  • Tax Savings – Provides triple tax savings:
    1. tax deductions when you contribute to your account;
    2. tax-free earnings through investment;
    3. tax-free withdrawals for qualified medical expenses.

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