Checking Accounts

Regular Checking Account

  • Minimum balance to open the account - $100.00
  • Minimum balance to avoid imposition of fees - A service charge fee of $ 7.00 will be imposed every statement cycle if the balance in the account falls below $500.00 any day of the cycle.

NOW 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, we may change the interest rate on your account.
  • Compounding and crediting frequency - Interest will be compounded every month. Interests will be credited to your account every month.
  • Minimum balance to open the account - $1,000.00
  • Minimum balance to avoid imposition of fees - A service charge fee of $10.00 will be imposed every statement cycle of the balance in the account falls below $ 1,000.00 any day of the cycle.
  • Average daily balance computation method - We use the average daily balance method to calculate the interest on your account. This method applies a periodic rate to the average daily balance in the account for the period. The average daily balance is calculated by adding the principal in the account for each day of the period and dividing that figure by the number of days in the period. The period we use is the monthly statement cycle.
  • Accrual of interest on non cash deposits - Interest begins to accrue on the business day you deposit non cash items
    (for example, checks).

Super NOW 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 any time.
  • Determination of rate - 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 open the account - $2,500.00
  • Minimum balance to avoid imposition of fees - A service charge fee of $10.00 will be imposed every statement cycle if the balance in the account falls below $2,5000.00 any day of the cycle.
  • Average daily balance computation method - We use the average daily balance method to calculate the interest on your account. This method applies a periodic rate to the average daily balance in the account for the period. The average daily balance is calculated by adding the principal in the account for each day of the period and dividing that figure by the number of days in the period. The period we use in the monthly statement cycle.
  • Accrual of interest on non cash deposits - Interest begins to accrue on the business day you deposit non cash items (for example, checks).

Golden 55 Account (For Customers 55 and Over)

  • 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 nay time.
  • Determination of rate - At our discretion, we may change the interest rate on your account.
  • Minimum balance to open the account - $100.00
  • Minimum balance to obtain the annual percentage yield enclosed - You must maintain a minimum balance of $ 500.00 in the account each day to obtain the disclosed annual percentage yield.
  • 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 non cash deposits - Interest begins to accrue on the business day you deposit non cash items (for example, checks).

Access Plus

  • 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, 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 open the account - $ 2,500.00
  • Minimum balance to avoid imposition of fees - A service charge fee of $ 10.00 will be imposed every statement cycle if the balance in the account falls below $ 2,500.00 any day of the cycle.
  • 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.
  • Transaction limitations:
    You may only make 6 transfers from your account each statement cycle by checks to third parties and preauthorized electronic withdrawals, drafts, or ATM/VISA card.
  • Fees:
    A service charge fee of $7.50 will be charged for each withdrawal in excess of six per month.

Common Features

The following fees may be assessed against your account and the following transaction limitations, if any, apply to your account.

Checking printing (fee depends on style and quantity of check ordered)
Cashier's checks $ 5.00
Traveler's checks $ 1.00 per $100

An account is dormant if for 365 days you have made no deposits or withdrawals to the account and the balance is equal to or under $500.00.


Dormant account fee
$5.00 -charged each month
AOD Paid Item fee*
$30.00
NSF/Paid fee*
$30.00
NSF/Return fee*
$30.00
UCF AOD paid item fee*
$30.00
Account activity printout
$2.00
Account research
$10.00 per hour, $ 2.00 per copy
ATM Mini-Statement fee
$.25
Balance Inquiry fee
$2.00 per inquiry after first 2 inquiries each statement cycle.
Chargeback fee
$2.00
Debit Card annual fee
$12.00
Fax fee
$2.00 per page
Notary fee for non-customers
$5.00
Stop payments - each
$20.00
Stop ACH payments
$20.00
Wire transfers outgoing
$20.00

We may require no less than 7 days notice in writing before each withdrawal from an interest-bearing account other than a time deposit, or from any other savings account as defined by Regulation D. Withdrawals from a time account prior to maturity or prior to any notice period may be restricted and may be subject to penalty. See your notice of penalty for early withdrawal.

* A fee will be imposed for overdrafts created by checks, in person withdrawals, ATM withdrawals, or by other electronic means as applicable.