Student Checking

• Students 18 years of age or younger (or up to 22 years of age if in college) qualify for a student checking account.
• Students are not charged a monthly maintenance fee.

Personal Checking

• Personal Checking accounts open with a minimum of $200.
• There is no limit on the number of checks that may be written, but the customer purchases his/her own checks.
• The monthly maintenance fee is dependent on the minimum monthly balance.  No fee is charged if a $200 balance is maintained.

Business Checking

• Business checking accounts open with a minimum of $400.
• Accounts set up as "an individual doing business as" may use the individual's personal social security number.
• Traditional business accounts require a federal tax identification number.
• The monthly maintenance fee is dependent on the minimum monthly balance.

Money Market Checking

• Money market accounts open with a minimum of $2,500.
• If the daily balance falls below $2,500 there is a fee.
• Six free withdrawals are allowed per month.
• Interest will be paid on the "daily balance" method which computes the interest by applying the daily periodic rate to the balance in the account each day.

NOW Interest Bearing Checking

• NOW accounts open with a minimum of $500.
• If the daily balance falls below $1,000, there is a fee.
• The average daily balance is used to calculate the interest earned on your account; this interest is paid monthly.