Regular Checking Accounts
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This non-interest bearing checking account is available to all depositors. Any service charge is triggered by the account’s minimum balance. There is no maintenance fee or activity fee on active accounts if your minimum balance is $600.00 or more. Monthly service fee is waived if the account has direct deposit.
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 or quarterly.
You will receive check images with your mailed statement. ATM / DEBIT cards give access 24 hours a day to selected account. To report a lost or stolen debit card, call 1-800-523-4175.
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Service Charge Schedule
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Minimum Daily Balance
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Monthly Service Fee
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$600.00 or more
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No charge
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$450.00 to $599.99
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$2.00
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$300.00 to $449.99
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$3.00
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$150.00 to $299.99
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$4.00
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Less than $150.00
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$5.00
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Business Checking Account
This account is for businesses operating as partnerships, LTD’s and corporations. Your average monthly 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 mailed monthly statement.
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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
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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
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Insured Money Market Investment Account (I.M.M.I.A.)
The Insured Money Market Investment Account is available to all depositors, although it has limited check writing privileges. The interest rates on this account may change the first of each month. The interest rates are tiered, meaning that higher balances earn higher rates of interest
Minimum Balance Requirements
You must deposit $2,500.00 to open this account. There is no additional minimum deposit requirement. If the daily balance falls below $2,500.00, the interest rate reverts to the C-W-I N.O.W. rate, and there is a $7.00 fee for that monthly cycle.
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 begins to accrue on the business day we receive credit for the deposit of non-cash items, for example, checks.
Interest Compounded and Crediting
Interest for your account will be compounded monthly. Interest will be credited to your account at the end of each month.
Transaction Limitations
During any statement cycle, you may not make more than six withdrawals or transfers to another account of yours or to third party by means of a preauthorized or automatic transfer or telephone order or instruction, computer transfer, or by check, draft, debit card or similar order to third party. Withdrawals in person are unlimited.
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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 mailed statement.
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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 mailed statement.
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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
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No monthly service charge on non-interest bearing accounts
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Free ESP checks (one box per order)
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Savings accounts require a minimum balance of $50.00 to avoid a service charge
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VISA®, MasterCard®, & Gold MasterCard® with no annual fee are available upon application and credit approval
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Overdraft protection
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Receive ¼% discount on any installment loan when payments are automatically deducted from your accounts
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ATM / DEBIT cards give access 24 hours a day to selected account
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To report a lost or stolen debit card, call 1-800-523-4175
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Money orders are issued with no fee (limit 3 per visit)
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One free year rental on a 3 x 5 Safety Deposit Box. This is subject to availability at each of our banking offices
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