Checking

Account Type

Regular Checking Account

First Regular Account

NOW Account

Money Market Account

Description

Unlimited check writing for Consumers with no monthly service charge and no minimum balance required.

Consumer checking account available to those age 55 and over. This account has a combined balance requirement for no service charge and many free services.

Interest Bearing checking for consumers and eligible non-profit organizations. This account provides unlimited check writing privileges and no monthly service charge.

Money Market account is available to all customers with no monthly service charge and no minimum balance requirement.

Minimum Opening Balance

$100

$100

$1,000 

$1,000 

Monthly Charge

None

* See Miscellaneous Information

None

None 

Interest Earned

None

None

0.50% APY **

0.50% APY ** 

Debit Card Eligible

Yes

 Yes

Yes

 No

Online Banking including Bill Pay

Free

Free

Free

Free

Miscellaneous Information

Must have and maintain a combined deposit of $5000.00. If balances fall below, a service charge of $10 will be assessed per statement cycle

* Account holders are entitled to 1 order of "First" checks per quarter at no charge and a 10% discount on safe deposit box rental.

Must maintain a minimum balance of $1,000.00 to obtain the disclosed annual percentage yield

** Rate subject to change.

You may make six (6) transfers from your account each four(4) weeks or similar period, if by pre-authorized or automatic transfer, or telephone (including data transmission) agreement, order or instruction by check, draft, debit card or similar order (including POS transactions), made by the depositor and payable to third parties. Transfers and withdrawals made in person, by mail, or at an ATM are unlimited. Violation fee of $20 will be accessed.

** Rates subject to change