Checking Accounts

The Basic Checking Account
Our Basic Checking account allows you to have unlimited checking for a low monthly fee ($5 / month).  If you maintain a $500.00 average monthly balance or sign up for direct deposit of your primary payroll, retirement or other income to Basic Checking there is no fee.  Your first order of personalized checks is free.  Afterwards, a wide variety of check styles are available at economical prices.**  (Suggested account persons under 55 who write few checks)

The Interest Checking Account
With this account you get the best of the checking and savings world in one package.  You can write unlimited checks and, if your account balance is over $700 each day of the month, your account will earn interest at rates that grow with your balance.  A low monthly fee ($5 / month) will be assessed if the balance falls below $2500 during the month.**  (Suggested account for persons under 55 who maintain larger balances and wish to receive interest)

The Club Account
For just a few dollars each month ($7 Regular plan, $9 Family plan), you can take advantage of the many features of The Club Account such as free personalized checks (one design only, other check designs are available at a discounted price).  Other benefits include free traveler's checks, ten free copies per month, and a free notary service.  Key Ring Protection and Credit Card Protection is provided at no additional charge as well as a member magazine, discounts on travel and recreation, and accidental death and dismemberment insurance.**  (Suggested account for persons under 55 who write a lot of checks or who need the services provided)

The Student Account
 Students (up to age 23) can obtain a Basic Checking account with no monthly service charge.**

The Silver Checking Account (must be age 55 or over to qualify)
With Silver Checking, you get free personalized checks (one design only, other check designs are available at a discounted price), free traveler's checks, ten free copies per month, free notary service and more. If you maintain a minimum balance of $700 you will earn interest at rates that grow with your balance and avoid the monthly maintenance fee of $5. Sign up for direct deposit of your primary payroll, retirement or other income to Silver Checking and there will be no maintenance fee.** (our best account for Senior Citizens)

The Small Business Account
The Small Business Account is designed especially for small businesses with low to moderate transaction volume.  The low monthly maintenance fee of $5 is not assessed if you maintain an average daily balance of $500.   (Accounts with large volumes of transactions may be shifted, after appropriate discussion with you, to The Bigger Business Account category described below.)

The Premier Business Account
The Premier Business Account is designed for businesses with moderate to high levels of transaction activity and who maintain higher deposit balances to help offset fees.  Activity is subject to analysis and an earnings credit allowance based on account balance can offset transaction fees.  See your customer service representative for further details.

*FDIC Insurance - Deposit accounts are insured by the Federal Deposit Insurance Corporation up to $100,000.   Deposits maintained in different categories of legal ownership are separately insured.  Accordingly, you can have more than $100,000 insurance coverage in a single institution if your funds are owned and deposited in different ownership categories.

**For rate, fee, and penalty disclosure information contact us for a
copy of our "Your Deposit Account" brochure.