Business Checking Account

This account is for businesses operating as partnerships, LTD’s and corporations. Your average daily balance is used to determine earnings credit back.

Service Charge Schedule
Activity fees assessed for items posted during the monthly statement cycle are as follows: $0.12 per debit, $0.15 per credit and $0.07 per transit check. There is a $6.00 per month maintenance fee.

Minimum Balance Requirements
You must deposit $100.00 to open this account. There is no additional minimum deposit requirement.

Periodic Statement
Your account statement will be generated monthly. You will receive check images with your monthly statement.

C-W-I N.O.W. Account

This checking with interest account allows customers unlimited check writing privileges. In most instances, Federal Regulations permit only individuals to own these accounts.

Minimum Balance Requirements
You must deposit $1,000.00 to open this account. There is no additional minimum deposit requirement. If the daily balance falls below $1,000.00 there is a maintenance fee of $7.00 per monthly cycle and an activity fee of $.15 per debit.

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 collected principal in the account each day.

Interest Compounded and Crediting
Interest for your account will be compounded monthly. Interest will be credited to your account at cycle time.

Interest Accrual on Deposits other than Cash
Interest begins to accrue on the business day we receive credit for the deposit of non-cash items, for example, checks.
* Call Bank for Rates

Super N.O.W. Account

This checking account allows the customer to earn a higher interest rate than the C-W-I N.O.W. account. The number of checks, however, is limited to 50 checks per cycle. In most instances, Federal Regulations permit only individuals to own these accounts

Minimum Balance Requirements
You must deposit $2,500.00 to open this account. There is no additional minimum deposit requirement. If over 50 checks are paid, there is a $.20 per check fee for each additional debit. If the daily balance falls below $2,500.00, the interest rate reverts to the C-W-I N.O.W. rate, and there will be a $7.00 service fee for that monthly cycle, and an activity fee of $0.15 per debit.

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 collected principal in the account each day.

Interest Compounded and Crediting
Interest for your account will be compounded monthly. Interest will be credited to your account at cycle time.

Interest Accrual on Deposits other than Cash
Interest begins to accrue on the business day we receive credit for the deposit of non-cash items, for example, checks.
* Call Bank for Rates

Non-Profit Organization Account

This account was designed to help non-profit organizations maintain a non-interest bearing checking account.

Minimum Balance Requirements
You must deposit $200.00 to open this account. No service charge occurs unless the account balance falls below $200.00. This will trigger a monthly or quarterly maintenance fee of $5.00 per cycle.

Periodic Statement
Your account statement will be generated monthly or quarterly. You will receive check images with your statement.

Student Checking Account

This account is an excellent product for the person attending a two or four year college. There is no maintenance fee or activity fee if you have a signed card on file stating your year of graduation.

Minimum Balance Requirements
You must deposit $50.00 to open the account. There is no additional minimum deposit requirement.

Periodic Statement
Your account statement will be generated monthly. You will receive check images with your monthly statement.

Exclusive Senior's Portfolio (ESP)*

This portfolio offers persons 55 years of age or older a special package of account privileges. These account privileges are as follows