Getting the most out of your checking dollars is important. After all, the checking account is the first account that many people open. In today’s market it is also the catalyst that connects many other products such as debit cards, ATM cards, and Internet banking.

Free Checking 

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The Free Checking account is a basic, no frills checking account for the customer who doesn’t want their check images returned to them.

Service Charge Schedule
There are no activity fees or monthly fees assessed on this account.
If the balance remains for three months with no activity and the balance is below
$20.00 we will close the account.

Minimum Balance Requirements
No minimum balance requirement.

Periodic Statement
Your account statement will be generated monthly. This is a truncated account with no check images, checks, or deposits returned with the statement.

Student Free Checking 

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If you are in high school, college or vocational school, you have got enough on your mind without worrying about complicated checking accounts. Here’s a checking account that is to your advantage!

Service Charge Schedule
There are no activity fees or monthly fees assessed on this account. You must be age 22 or under to open an account and a full-time student.

Minimum Balance Requirements
You must deposit $100.00 to open this account.

Periodic Statement
Your account statement will be generated monthly with check images included.

Seniors Free Checking 

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This account offers special savings to those ages 65 and older. The monthly service charge is waived and you may write unlimited checks with no per check charge.

Service Charge Schedule
There are no activity fees or monthly fees assessed on this account. You must be 65 or older to open an account.

Minimum Balance Requirements
You must deposit $100.00 to open this account.

Periodic Statement
Your account statement will be generated monthly with check images included.

Regular Checking Account 

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If you’re looking for a simple, household checking account to take care of regular bill payments and basic monthly transactions, then this is the account that will best suit your needs.
 

Service Charge Schedule

Minimum Daily Balance

Monthly Service Fee

$600.00 average balance

No charge

$0 to $400.00

$4.00 - $1.00
 

Minimum Balance Requirements
You must deposit $100.00 to open this account.

Periodic Statement
Your account statement will be generated monthly with check images included.

Now Checking Account 

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If earning interest on your checking dollars is a priority for you, then this is an account to look into. You have unlimited check writing benefits plus no per check charge.
Click here for current rates.

Minimum Balance Requirements
You must deposit $500.00 to open this account. You will be charged a service fee of $7.00 if your minimum daily balance falls below $500.00.

Balance Computation Method
We use the daily balance method to calculate the interest on your account. This method applies a daily periodic rate to the principal in the account each day.

Interest Compounded and Crediting
Interest for your account will be compounded monthly. Interest will be credited to your account monthly. If you close your account before interest is credited, you will not receive the accrued interest.

Interest Accrual on Deposits other than Cash
Interest begins to accrue on the business day we receive credit for the deposit of non-cash items (for example, checks).

Preferred Now Checking Account 

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If earning interest on your checking dollars is a priority for you, then this is an account to look into. You have unlimited check writing benefits plus no per check charge.
Click here for current rates.

Minimum Balance Requirements
You must deposit $500.00 to open this account. You will be charged a service fee of $3.00 if your minimum daily balance falls below $500.00.

Balance Computation Method
We use the daily balance method to calculate the interest on your account. This method applies a daily periodic rate to the principal in the account each day.

Interest Compounded and Crediting
Interest for your account will be compounded monthly. Interest will be credited to your account monthly. If you close your account before interest is credited, you will not receive the accrued interest.

Interest Accrual on Deposits other than Cash
Interest begins to accrue on the business day we receive credit for the deposit of non-cash items (for example, checks).

Super Now Checking Account 

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This account offers unlimited check writing with no per check charge. In addition, if minimum balance requirements are maintained, this account pays you interest.
Click here for current rates.

Minimum Balance Requirements
You must deposit $1,000.00 to open this account. You will be charged a service fee of $10.00 if your minimum daily balance falls below $1,000.00.

Balance Computation Method
We use the daily balance method to calculate the interest on your account. This method applies a daily periodic rate to the principal in the account each day.

Interest Compounded and Crediting
Interest for your account will be compounded monthly. Interest will be credited to your account monthly. If you close your account before interest is credited, you will not receive the accrued interest.

Interest Accrual on Deposits other than Cash
Interest begins to accrue on the business day we receive credit for the deposit of non-cash items (for example, checks).

Money Market Account 

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If you are a limited check writer and you have a balance of over $2,500.00, you can earn a higher rate than the Now or Super Now Account.
Click here for current rates.

Minimum Balance Requirements
You must deposit $2,500.00 to open this account. You will be charged a service fee of $10.00 if your daily minimum balance falls below $2,500.00.

Balance Computation Method
We use the daily balance method to calculate the interest on your account. This method applies a daily periodic rate to the principal in the account each day. Interest begins to accrue no later than the business day we receive credit for the deposit of non-cash items (for example, checks).

Interest Compounded and Crediting
Interest for your account will be compounded monthly. Interest will be credited to your account monthly. If you close your account before interest is credited, you will not receive the accrued interest.

Transaction Limitations
Funds can be transferred from this account by check, telephone transfer, pre-authorized transfer or in-person withdrawal. You may make six (6) transfers per statement cycle, but only three (3) may be payments by check to third parties.

Preferred Money Market Account 

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If you are a limited check writer and you have a balance of over $15,000.00, you can earn a higher rate than the Now or Super Now Account.
Click here for current rates.

Minimum Balance Requirements
You must deposit $15,000.00 to open this account.  Balance falling below $15,000.00 results in $25.00 monthly charge; also your account will not earn interest during this time.

Balance Computation Method
We use the daily balance method to calculate the interest on your account. This method applies a daily periodic rate to the principle in the account each day. Interest begins to accrue no later than the business day we receive credit for the deposit of non-cash items (for example, checks).

Interest Compounded and Crediting
Interest for your account will be compounded monthly. Interest will be credited to your account monthly. If you close your account before interest is credited, you will not receive the accrued interest.

Transaction Limitations
Transfers from a Preferred Money Market account to another account or to third parties by preauthorized, automatic, telephone, or computer transfer are limited to six per monthly statement cycle with no more than three by check, draft, debit card, or similar order to third parties.