Checking Accounts

For most people, a checking account is the financial service they use most. We offer the following types of checking accounts:

Personal Checking

Our basic account is free with a direct deposit and to senior citizens (age 60 or older) and full time students up to age 25. Seniors and students must notify us of their eligibility.

Minimum
Opening
Balance
Required Balance Monthly Charges
$50 $500 minimum ledger or $700 average daily balance $10.00 if balance is not maintained, effective May 1, 2011

$0.10 per check or debit in excess of forty (40) per statement cycle

Interest Bearing Account

If you can maintain a $1,500 minimum balance and need limited check-writing, this account is for you.

Minimum
Opening
Balance
Required Balance Monthly Charges
$1,500 $1,500 min. ledger or $3,000 avg. daily balance A $10 minimum balance fee will be imposed every monthly statement cycle unless you maintain either a minimum daily balance of $1,500.00 or a minimum average balance of $3,000.00 for the monthly statement cycle.

$.20 per check or debit in excess of twenty-five (25) checks per statement cycle. The fee will not apply if you maintain a $5,000 average daily balance for the statement cycle.

WB Interest Bearing Account

If you can maintain a $2,500 minimum balance and need limited check-writing, this account offers flexibility and security.

Minimum
Opening
Balance
Required Balance Monthly Charges
$2,500 $2,500 min. ledger or $5,000 avg. daily balance

A $12.50 minimum balance fee will be imposed every monthly statement cycle unless you maintain either a minimum daily balance of $2,500.00 or a minimum average daily balance of $5,000.00 for the monthly statement cycle.

$.20 per check or debit in excess of twenty-five (25) checks per statement cycle. The fee will not apply if you maintain a $5,000 average daily balance for the statement cycle.

Money Market - Tiered Interest Rates

If you can maintain a $2,500 minimum balance and only need six (6)withdrawals per month, consider this account.

Minimum
Opening
Balance
Required Balance Monthly Charges
$2,500 $2,500

$10 if balance of $2,500 is not maintained

There is a per item service charge of $10 for each withdrawal in excess of six (6) paid during a statement cycle.

 

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