PERSONAL ACCOUNTS
We offer 4 types of Individual Checking accounts as well as an Individual Savings account and a Health Savings account. Some of the details for each account are listed below. For a complete list of details, be sure to speak with one of our bankers.
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| ABSOLUTELY FREE CHECKING
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Minimum balance to open the account -
$50.00 deposit to open account. Early account closure – A fee of $15.00 will be imposed if you close your account within 90 days of opening. Fees:
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| 50+ FREE INTEREST CHECKING |
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Minimum balance to open the account - $50.00 deposit
to open account. At least one individual on the account must be age
50 to qualify. Fees:
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| VIP FREE INTEREST CHECKING
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| Minimum balance to open the account - $50.00 deposit
to open account. Requires you have a form of electronic transfer (Example:
Direct Deposit or ACH payment). Fees: |
| HIGH INTEREST CHECKING |
| Minimum balance to open the account -
$50.00 deposit to open account
Rate Information - Your interest rate and annual percentage yield may change. Frequency of rate changes - We may change the interest rate on your account at any time. Determination of rate-at our discretion- At our discretion, we may change the interest rate on your account. Compounding and crediting frequency – Interest will be compounded every month. Interest will be credited to your account every month. Minimum balance to avoid imposition of fees- A maintenance fee of $6.00 will be imposed every statement cycle if the balance is the account falls below $1,500.00 any day of the cycle. You have one full statement cycle to bring your account up to $1,500.00 before imposing a maintenance fee. Effect of closing an account- If you close your account before interest is credited, you will not receive the accrued interest. Early account closure – A fee of $15.00 will be imposed if you close your account within 90 days of opening Daily 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. Accrual of interest on noncash deposits- Interest begins to accrue no later than the business day we receive credit for the deposit of noncash items (for example: checks) Fees: |
| INDIVIDUAL SAVINGS ACCOUNT |
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$100 minimum deposit to open $25 minimum deposit to open for students & minors $100 minimum balance to avoid service charges Limit of 1 withdrawal per month to avoid charges |
| HEALTH SAVINGS ACCOUNT |
| Tiered Interest Bearing Individual Checking Account |
Report your lost or stolen Debit Card after hours and on weekends at 1-800-523-4175.
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