Checking Accounts
No Frills Checking
Our "No Frills" checking has no monthly service charge. You receive a monthly statement without the check and deposit images included. We keep the images of these items on file indefinitely in case you need a copy later on. There is a $2.00 charge for copies of checks or deposits. We highly recommend using duplicate checks to make balancing this account easier. Overdraft fees are $25.00 per item with a maximum of $125.00 per day and non-sufficient fund fees are $20.00 per item with a maximum of $100.00 per day.
Regular Checking
Maintain a $500.00 monthly low balance and no service charge will be assessed. If your balance falls below the $500.00 on any day in the monthly statement cycle, we will impose a service charge fee of $6.00 once during the statement cycle. This fee will not apply to senior citizens 65 years of age or over, church accounts, non-profit organization accounts, estate accounts, or Emerald Club members. You will receive a monthly statement with images of your checks and/or deposits. Overdraft fees are $25.00 per item with a maximum of $125.00 per day and non-sufficient fund fees are $20.00 per item with a maximum of $100.00 per day.
NOW Accounts
*Interest Rates & APYs are effective 03/01/2011.
Maintain a $1,000 average daily balance for the monthly statement cycle and earn 0.05%* with an APY of 0.05%*. If your average balance falls below $1,000, then you will earn 0.05%* with an APY of 0.05%* and pay a service charge fee of $7.00 for that monthly statement cycle, which could reduce earnings on the account. You will receive a monthly statement with images of your checks and/or deposits.
*At our discretion we may change the interest rate and APY (Annual Percentage Yield) on your account. Contact us for further information about applicable fees and terms on deposit accounts.