Economy Checking
This is a non-interest earning checking account.
Minimum balance to open this account - You must deposit $100.00 to open this account.
Fees: A service charge fee of $5.00 will be charged each statement cycle. A per item fee of $0.50 will be charged for each debit transaction (withdrawal, check paid, an automatic transfer payment out of the account) in excess of 15 during a statement cycle.
Investment Checking
This is an interest earning checking account with interest rate tiers which are based on balances kept in the account.
Rate Information - Your interest rate and annual percentage yield are subject to 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 at any time.
Compounding and crediting frequency - Interest is compounded and credited monthly.
Minimum balance to open the account - You must deposit $10,000.00 to open this account.
Minimum balance to avoid imposition of fees - A service charge of $12.00 per month will be imposed every statement cycle unless you maintain a $10,000.00 minimum balance.
Minimum balance to receive the disclosed Annual Percentage Yield - (Tiered Rates) There is no minimum balance required to receive 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 noncash deposits - Interest begins to accrue on the business day you deposit noncash items (for example, checks).
Regular Checking Account
This is a non-interest earning checking account.
Minimum balance to open the account - You must deposit $100.00 to open this account.
Minimum balance to avoid imposition of fees - A service charge fee of $10.00 will be imposed every statement cycle unless you maintain either a minimum daily balance of $500.00 or monthly average balance of $1500.00. The average daily balance is calculated by adding the principal in the account each day of the statement cycle and dividing that figure by the number of days in the statement cycle.
Flat Fee Checking
This is a non-interest earning checking account.
Minimum balance to open the account - You must deposit $100.00 to open this account.Fees: A service charge fee of $10.00 will be imposed during each monthly statement cycle.
NOW Account
This is an interest earning checking account.
Rate Information - Your interest rate and annual percentage yield are subject to 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 is compounded and credited monthly.
Minimum balance to open the account - You must deposit 100.00 to open this account.
Minimum balance to avoid imposition of fees - A service charge fee of $12.00 will be imposed every statement cycle unless you maintain either a minimum daily balance of $1000.00 or monthly average balance of $2000.00. The average daily balance is calculated by adding the principal in the account each day of the period and dividing that figure by the number of days in the period.
Minimum balance to receive the disclosed Annual Percentage Yield - There is no minimum balance required to receive 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 noncash deposits - Interest begins to accrue on the business day you deposit noncash items (for example, checks).
Honor Checking
This is an interest earning checking account.
For customers age 50 and over
Rate Information - Your interest rate and annual percentage yield are subject to 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 is compounded and credited monthly.
Minimum balance to open the account - You must deposit $100.00 to open this account.
Minimum balance to receive the disclosed Annual Percentage Yield - There is no minimum balance required to receive 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 noncash deposits - Interest begins to accrue on the business day you deposit noncash items (for example, checks).
Features:
- Free Bank stock checks.
- ATM/Debit card with unlimited usage.
- No fee for American Express Travelers Checks.
- A 0.10% interest rate premium paid on all Certificate of Deposit with interest paid at maturity or automatically deposited into an Honor Account.
- 25% Discount of first year safe deposit box rental.
- Free bond coupon redemption.
- Free direct deposit.
- Free notary service.
FDIC
Equal Housing Lender