Personal Checking

Free Checking

• FREE Online Banking / Billpay
• FREE First order of checks
• No minimum balance
• No monthly service charge
• Unlimited check writing
• Statement does not include images, copies, or original items
• Minimum deposit $100.00

Regular Checking

• FREE Online Banking / Billpay
• If minimum daily balance falls below $600.00 - a monthly service charge of $4.00 and $.20 per check charge will apply.
• If minimum daily balance is $600.00 or above - no service charge and no check charge.
• $100.00 minimum to open account

Flat Fee Checking

• FREE Online Banking / Billpay
• No minimum balance
• Unlimited check writing
• $7.00 PER MONTH
• $100.00 minimum to open account

T-Cash Checking - Learn More!

• FREE Online Banking / Billpay
• FREE checks and check reorders
• No minimum balance
• No service charge
• For students 13-18 years old
• Co-signer required
• $25.00 minimum to open account

Prime Time Checking (50 and older)

• FREE Online Banking / Billpay
• FREE checks and check reorders
• Unlimited check writing
• No minimum balance
• No monthly service charge
• No per item charge
• No stop payment charge
• No charge for Travelers Checks
• No charge for Money Orders
• Non-interest bearing accounts only
• $100.00 minimum to open account

NOW Accounts

• FREE Online Banking / Billpay
• Interest will be compounded daily and credited to your account monthly.
• Interest rates may change periodically without notice.
• If you close your account before interest is credited you will receive the accrued interest.
• Interest begins to accrue no later than the business day we receive credit for the deposit on non cash items
• Accounts are available to:
  - Individuals
  - Non-profit organizations operating for philanthropic, charitable, educational, parental, and other similar purposes.
  - Governmental units
• Earns interest on a daily balance of $1000.00 or more.
• A service charge of $5.00 plus $.25 for each debit will be charged to the account, if daily account balance falls below $1000.00.
• $1,000.00 minimum to open account

Money Market Accounts

• FREE Online Banking / Billpay
• Accounts are available to all customers
• Interest will be compounded daily and credited to your account monthly
• If you close your account before interest is credited you will receive the accrued interest
• Interest rate may change periodically with notice
• A service charge of $5.00 plus $.25 for each debit will be charged if daily account balance falls below $1000.00
• $1,000.00 minimum to open account
• $10,000 minimum to open Premium Money Market Account.
• Premium Money Market Account – Service Charge of $5.00 plus $.25 for each debit will be charged if daily account balance falls below $10,000.00

Authorized Debits

1. Allowed 6 transfers from your account each statement cycle
2. Charges which may be applied to this account: $5.00 for each check transaction, each electronic debit, ACH, or Internet transaction in excess of 6 per statement cycle
3. ATM withdrawals are considered in person and are unlimited.
4. Withdrawals in person are unlimited.

Reward Checking

• FREE Online Banking / Billpay
• FREE first order of checks
• No maintenance fee
• No minimum balance
• No per check charge
• Refund of foreign ATM fees- if all qualifications are met
• Variable Rate: the interest rate and annual percentage yield for account depend upon the applicable rate tier. The interest rate and annual percentage yield for these tiers may change. At our discretion, we may change the interest rate on account. We may change the interest rate daily.
• Interest will be compounded daily and interest will be credited to the account monthly (Daily Balance Method: this method applies a daily periodic rate to the principal in the account each day)
• If you close your account each before interest is credited, you will receive the accrued interest
• Interest begins to accrue based on a ledger balance
• Must have at least twelve (12) POS Debit card transactions per statement cycle
• Must have at least one (1) ACH debit or credit transaction per statement cycle
• Must receive E-Statements (Internet Banking)
• Must have a valid email address
• If all qualifications are met:
  - 3.93% Rate/ 4.01% Annual Percentage Yield will be paid to any balance up to $25,000.00
  - 1.00% Rate/ 1.01% Annual Percentage Yield will be paid to any balance over $25,000.00
• If all qualifications are not met:
  - A base rate (default rate) of .49% Rate/ .50% Annual Percentage Yield will apply to the entire balance
• Rate Tier: The payment of a higher rate of interest is not tied to the balance in the account of the dollar amount of the transactions; rather, it is tied to the number of transaction during the statement cycle
• $100.00 minimum to open account

Commercial Checking

Commercial Accounts

• Keep a minimum daily balance of $1000.00 in your account and pay no service charges.
• If your account daily balance drops below $1000.00, you pay $5.00 per month and .20 per check.