| Checking Account |
Minimum Opening Balance |
Required Balance |
Monthly Charges |
Description |
| Personal Checking |
$50 |
$400 minimum ledger or $700 average daily balance |
$7.50 if balance is not maintained, effective February 1, 2005
$0.10 per debit in excess of forty (40) per month
|
Our basic account, which senior citizens age 60 or older and full-time students to age 25 receive free, as long as they notify us annually of their eligibility. |
| Free Checking with Direct Deposit |
None |
None |
None |
Our easy, safe and convenient account. Have your pay automatically deposited. No worry about lost or stolen checks. No extra trips to the bank. Funds are available immediately. |
| Now Account |
$1,500 |
$1,500 min. ledger or $3,000 avg. daily balance |
$10 if balance is not maintained, effective January 1, 2004
$.20 in excess of twenty-five (25) checks |
If you can maintain a $1,500 minimum balance and need limited check-writing, this account is for you. |
| Super Now |
$2,500 |
$2,500 min. ledger or $5,000 avg. daily balance |
$12.50 effective January 1, 2004, $.20 in excess of twenty-five (25) checks |
If you can maintain a $2,500 minimum balance and need limited check-writing, this account offers flexibility and security. |
| Money Market - Tiered Interest Rates |
$2,500 |
$2,500 |
$10 if balance of $2,500 is not maintained |
If you can maintain a $2,500 minimum balance and only need six (6)withdrawals per month, consider this account.
Note: There is a per item service charge of $10 for each withdrawal in excess of six (6) paid during a statement cycle.
|
| Business Account |
$0 to $3,000 |
Greater than $3,000 or $7,500 Avg. Monthly Balance |
Monthly Charges: $10.00 if less than $3,001 min. balance, $.15 in excess of twenty-five (25) checks |
Great for business customers who can maintain an average monthly balance greater than $3,000. |
