Checking & Savings
Checking
Basic Checking
Features:
- Online Banking
- Bill Pay
- Minimum daily balance to avoid fee: $500 with e-statement
- Minimum deposit of $50 to open account
- Mastercard Debit Card offered
- Direct Deposit Available
- Electronic Statement
- Fees could reduce earnings.
- Monthly Fee: If $500 daily balance is not maintained; $8.00 paper statement; $6.00 with e-statement. If the daily balance is $500 or more, a paper statement costs $2.00 per month; no cost with the e-statement. No paper statement fee for accounts with a daily balance of $10,000 or greater.
Daily Balance With Paper Statement With E-statement Less than $500 $8 $6 $500 or greater $2 - $10,000 or greater - -
Regular Personal Checking
Features:
- Online Banking
- Bill Pay
- Minimum daily balance to avoid fee: $1,000 with e-statement
- Minimum deposit of $50 to open account
- Check Imaging
- Mastercard Debit Card offered
- Direct Deposit Available
- Electronic Statement
- Fees could reduce earnings.
- Monthly Fee: If $1,000 daily balance is not maintained; $10.00 paper statement; $8.00 with e-statement.
If the daily balance is $1,000 or more, a paper statement costs $2.00 per month; no cost with the e-statement. No paper statement fee for accounts with a daily balance of $10,000 or greater.
| Daily Balance | With Paper Statement | With E-statement |
|---|---|---|
| Less than $1,000 | $10 | $8 |
| $1,000 or more | $2 | - |
| $10,000 or more | - | - |
NOW Personal Account
Features:
- Online Banking
- Bill Pay
- Minimum daily balance to avoid fee or earn interest: $2,000
- Minimum deposit of $2,000 to open account
- Check Imaging
- Mastercard Debit Card offered
- Earns Interest
- Direct Deposit Available
- Electronic Statement
- Fees could reduce earnings
MMDA Personal
Features:
- Online Banking
- Minimum daily balance to avoid fee or earn interest: $2,500
- Minimum deposit of $2,500 to open account
- Check Imaging
- Earns Interest
- Direct Deposit Available
- Electronic Statement
- Fees could reduce earnings
MMDA Plus Checking
Features:
- Online Banking
- Minimum daily balance to avoid fee or earn interest: $5,000
- Minimum deposit of $5,000 to open account
- Check Imaging
- Earns Interest
- Direct Deposit Available
- Electronic Statement
- Fees could reduce earnings
Student Checking***
Features:
- Online Banking
- Bill Pay
- Minimum deposit of $50 to open account
- Check Imaging
- Mastercard Debit Card offered
- Direct Deposit Available
- Electronic Statement- avoid $2 fee
- Monthly Fee: $2 if paper statement
- Fees could reduce earnings
**** A student is defined as a person enrolled as a full time student. This program is available for qualified students until their 23rd birthday.
Savings
Savings Regular Personal
- Initial deposit of $50.00 to open account.
- Please call one of our three locations for the current interest rate.
- You must maintain a minimum balance of $200.00 in the account each day to obtain the disclosed annual percentage yield.
- You will be charged $1.00 per withdrawal over 3 during each semi-annual interest period.
- Fees could reduce earnings.
Savings Golden Personal
- Initial deposit of $1,000.00 to open account.
- Please call one of our three locations for the current interest rate.
- You must maintain a minimum balance of $1,000.00 in the account each day to obtain the disclosed annual percentage yield.
- Fees could reduce earnings.
Christmas Club
Don't let Christmas expenses sneak up on you. Open a Christmas Club account at any amount and still earn interest. You get the check by the 1st of November.
- Initial deposit of $5.00 to open account
- Last time a deposit is credited for the year is the second week of October.
- Check is mailed the last week of October.
- Interest rate is the same as the regular savings rate.
- Fees could reduce earnings.