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Checking Accounts

Free Checking

  • Minimum Opening Deposit:  $25.00
  • Monthly Service Charge:  None
  • Number of Checks Per Statement:  Unlimited
  • Interest Bearing:  No
  • Customer does not receive checks or images – only statement.
  • ATM/Debit Card Available
  • Duplicate checks required

Regular Checking

  • Minimum Opening Balance:  $100.00
  • Monthly Service Charge: Minimum Balance of $250.00 to $500.00 – $6.00 per cycle.
    Minimum Balance under $250.00 – $10.00 per cycle.
  • Number of Checks Per Statement:  Unlimited
  • Interest Bearing:  No
  • Senior Citizens* and under age 18 do not have monthly maintenance fee.
  • Senior Citizens* receive free checks (selected ones).
  • ATM/Debit Card Available
  • Monthly imaged statement for convenient account balancing.

*Senior Citizens are individuals of 62 years of age or older.

NOW Account

  • Minimum Opening Deposit:  $750.00
  • Monthly Service Charge:  Balance below $750.00 – $7.50
  • Number of Checks Per Statement:  Unlimited
  • Interest Bearing:  Yes
  • Senior* Citizens receive free checks (selected ones).
  • Free checks (selected ones)
  • ATM/Debit card available
  • Monthly imaged statement for convenient account balancing

*Senior Citizens are individuals of 62 years of age or older.

Interest paid monthly at the current rate. Interest is paid on the average daily collected balance. If you close your account before interest is credited, you will not receive the accrued interest.

Elite VIP

  • Minimum Opening Deposit:  $1,000.00
  • Monthly Service Charge:  Balance below $1,000.00 – $10.00
  • Number of Checks Per Statement:  Unlimited
  • Interest Bearing:  Yes
  • Must be 55 years of age.
  • Free checks (selected ones)
  • No fee for Money Orders or Cashier Checks
  • ATM/Debit card available
  • $5.00 Discount on Safe Deposit Box Rental
  • Monthly imaged statement for convenient account balancing

Interest paid monthly at the current rate. Interest is paid on the average daily collected balance. If you close your account before interest is credited, you will not receive the accrued interest.

Money Market

  • Minimum Opening Deposit:  $2,500.00
  • Monthly Service Charge:  Balance below $2,500.00 – $10.00
  • Number of Checks Per Statement:  6 transactions per cycle
  • Interest Bearing:  Yes
  • Monthly imaged statement for convenient account balancing

Interest paid monthly at the current rate. Transfers and withdrawals are limited to six per month. A fee of $10.00 will be charged for each check withdrawal over six per month. Interest paid on the average daily collected balance. If you close your account before interest is credited, you will not receive the accrued interest.

Important Information About Procedures for Opening a New Account

To help the government fight the funding of terrorism and money laundering activities, Federal law requires all financial institutions to obtain, verify and record information that identifies each person who opens an account.

What this means for you: When you open an account, we will ask for your name, address, date of birth and other information that will allow us to identify you. We will also ask to see your driver’s license or other identifying documents.