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Personal Checking Accounts Summary
Accounts  Features  |
Free Checking |
Regular Checking |
NOW Account |
Money Market Demand |
Money Market Plus |
Gold Plus |
**** Student Checking |
| Free Online Banking | YES | YES | YES | YES | YES | YES | YES |
| Bill Payment Available |
YES | YES | YES | YES | YES | YES | YES |
| Minimum Balance | NO | $700 | $2000 | $2500 | $5000 | $500 | NO |
| Minimum Deposit | NO | $50 | $2000 | $2500 | $5000 | $500 | NO |
| Overdraft Protection | $400 | $700 | $700 | $900 | $900 | $900 | NO |
| Free Check Imaging | NO | YES | YES | YES | YES | YES | YES |
| ATM / Debit Card Offered | VISA DEBIT | VISA DEBIT |
VISA DEBIT |
VISA DEBIT | VISA DEBIT | VISA DEBIT |
ATM |
| Opportunity to Earn Interest *** |
NO | NO | YES | YES | YES | YES | NO |
| Transaction Limitations |
NO | NO | NO | YES | YES | NO | NO |
| Direct Deposit Available |
YES | YES | YES | YES | YES | YES | YES |
* Customer must also maintain $5000.00 balance in savings or certificate
of deposit account.
*** Please call for current rates.
**** A student is defined as a person enrolled as a full time student
in grades K-12; taking 12 hours or more as an undergraduate; or 9 hours
or more as a graduate student. This program is available for qualified
students until their 23rd birthday.
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Regular Savings
- Initial deposit of $50.00.
- Please call one of our four locations for the current interest rate.
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Golden Passbook Savings
- Initial deposit of $50.00.
- Please call one of our four locations for the current interest rate.
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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.
- Any amount can open a Christmas Club.
- 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.
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Money Market Deposit Account (MMDA)
- Initial deposit of $2,500.
- You must maintain an average daily balance of $2,500 to obtain the disclosed annual percentage yield.
- The interest rate currently in effect may be obtained by asking for the current deposit rate disclosure.
- The interest rate and annual percentage yield on your account may change. We may change the interest rate on your account at our discretion.
- Up to 6 checks per month and will be charged for check orders according
to type of check.
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Money Market Deposit Account Plus (MMDA+)
- Initial deposit of $5,000.
- You must maintain an average daily balance of $5000 to obtain the disclosed annual percentage yield.
- The interest rate currently in effect may be obtained by asking for the current deposit rate disclosure.
- The interest rate and annual percentage yield on your account may change. We may change the interest rate on your account at our discretion.
- You will be allowed to use up to 3 checks per month and will be charged for check orders on this account according to the type of checks ordered.
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