Checking Accounts

Federal and state banking laws govern much of our relationship with you; in particular, laws concerning negotiable instruments, deposit accounts and how we treat activity of these accounts. Complete disclosures of our fees and charges are available at the bank.

The FDIC Improvement Act of 1991 contained within it the Truth in Savings Act. The purpose of this act is to enable consumers to make informed decisions about deposit accounts in depository institutions.

Below is a condensed description of accounts we have to offer. For a complete list of services and charges, please see one of our new accounts representatives at the bank. Someone there will be happy to help you.

SUPER NOW CHECKING

(Corporations are not eligible)

$2,000 minimum to open
Unlimited check writing and deposit privileges
No monthly service charge if $2,000 daily balance is maintained
Debit MasterCard available
24-hour ATM access
24-hour telephone access to check balances, cleared checks, and deposits
Includes Free Online Banking with signup

Free Checking

$25.00 minimum to open
Unlimited check writing and deposit privileges
No monthly service charge
Debit MasterCard available
24 hour ATM Access
24 hour telephone access to check balances, cleared checks, and deposits
Included Free Online Banking with signup
Must be 18 years old or have an adult joint owner on the account
Duplicate Checks are required

SENIOR CHECKING

(Age 65 and above)

$100 minimum to open
Unlimited check writing and deposit privileges
Debit MasterCard available
24-hour ATM access
24-hour telephone access to check balances, cleared checks, and deposits
No Service Charge
Includes Free Online Banking with signup

COMMERCIAL CHECKING

$100 minimum to open
Unlimited check writing and deposit privileges
$6 per month service charge
Debit MasterCard available
24-hour ATM access
24-hour telephone access to check balances, cleared checks, and deposits
Includes Free Online Banking with signup

MONEY MARKET CHECKING

$2,500 minimum to open
No monthly service charge if $2,500 minimum daily balance is maintained
Earns variable rate of interest
Up to six transfers or withdrawals each statement cycle. $10 per withdrawal/transfer over the limit of six per month.
Unlimited deposits
Includes Free Online Banking with signup

IOLTA

Interest income on IOLTA balances will be automatically remitted to the local bar association
Law Firm must Obtain and fill out the IOLTA Enrollment Form
No Minimum balance requirements to open this account
No monthly maintenance Fee