Checking Accounts


Regular
Checking
NOW Account
(Interest Bearing)1
SuperNOW (Interest Bearing)1 Golden 55 (Interest Bearing)1 Access Plus (MMDA)
(Interest Bearing)1

Minimum Opening Deposit $100.00 $1,000.00 $2,500.00 $100.00 $2,500.00
Monthly Service Charges $7.00 $10.00 $10.00 Not Applicable $10.00
Balance Required to Avoid Monthly Service Charges $500.00 $1,000.00 $2,500.00 Not Applicable $2,500.00
Dormant Account Charge 2 $5.00 $5.00 $5.00 $5.00 $5.00
Limitations Must maintain a minimum balance of $500.00 in the account each day to obtain disclosed APY.

Accountholder(s) must be 55 or older
Limited to 6 withdrawals or transfers to another account of yours or to a third party by means of a preauthorized or automatic transfer or telephone order or instruction, computer transfer, or by check, draft, debit card, or similar order to a third party during any statement cycle.
Interest Compounded and Credited Not Applicable Monthly Monthly Monthly Monthly
Interest Computation Method Not Applicable Average Daily Balance3 Average Daily Balance3 Daily Balance4 Daily Balance4
Statement Period Monthly Monthly Monthly Monthly Monthly
Statement Delivery Options Free eStatements

OR

paper statements

Statement includes imaged checks & deposits
Free eStatements

OR

paper statements

Statement includes imaged checks & deposits
Free eStatements

OR

paper statements

Statement includes imaged checks & deposits
Free eStatements

OR

paper statements

Statement includes imaged checks & deposits
Free eStatements

OR

paper
statements

Statement includes imaged checks &
deposits

Debit Card
 
Yes Yes Yes Yes No

Debit Card Annual Fee
 
$12.00 $12.00 $12.00 $12.00 N/A
Free Online, Telephone and Mobile Banking5 Yes Yes Yes Yes Yes
Free Online Bill Payment Yes Yes Yes Yes Yes
Benefits & Additional Details Overdraft protection available     Overdraft protection available Excess Debit Charge:
$7.50 for each withdrawal in excess of 6 per statement cycle
        Free Cashier's Checks Tiered Rate Account


Common Account Features

 



1 The interest rate is a variable rate and we may change the interest rate on your account at anytime.

2 Dormant account charge will be charged each statement cycle if balance is $500.00 or less. All checking accounts become dormant if you have made no deposits or withdrawals to the account for 365 days.

3 The Average Daily Balance 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 used is the monthly statement cycle.

4 The Daily Balance method applies a daily periodic rate to the principal in the account each day.

5 Fees from your mobile or data carrier may apply.