Free Checking* 

A simple, hassle-free checking account with no monthly fees 

Consumer Checking*

Stay on top of your personal finances and avoid monthly fees, based on your deposited funds

NOW Checking*

Enjoy this interest-bearing account that allows unlimited check writing

Money Market Checking*

Earn a competitive rate of interest on your excess funds

Savings

Helps meet your long-term savings goals with the flexibilty of a low minimum balance requirement

Certificates of Deposit / IRAs

Our time deposit products have a variety of terms available to meet your investment and savings needs

   *Personal Checking Accounts include the following FREE services:  

 Bill Pay and Mobile Check Deposit

 

               

Free Checking 

Consumer Checking 

NOW Checking

Money Market Checking

Savings

CDs/IRAs

Min. Opening Balance

 $200

$200 

$1,000 

$2,500 

 $100

$1,000 

Min. Balance to Avoid Service Charge

 $0

$500 ACB1 

 $1,000 ACB

 $2,500 ACB

 $100

N/A 

Monthly Service Charge

 $0  $10 $10   $10 $3   $0

Withdrawals

 Unlimited Unlimited  Unlimited  6 per month  6 per month; 7+ costs $3.00 each  0; Penalty applies if withdrawn early 

Interest-Bearing

No No Yes Yes  Yes  Yes 

ATM/Debit Card2

Yes  Yes  Yes  Yes  No4 N/A 

Overdraft Privilege (ODP)

 Yes Yes  No3  No  No  N/A 

Imaged Checks w/ Paper Stmt.5

No  Yes  Yes  Yes  No N/A 

Online/Mobile App Banking

Yes  Yes  Yes  Yes  Yes  Yes 

Interest Rate

N/A N/A Current Rate Current Rate Current Rate Current Rate
1) ACB = AVERAGE COLLECTED BALANCE; 2) PLEASE CALL (800) 264-4274 TO REPORT A LOST OR STOLEN CARD; 3) CUSTOMER MAY REQUEST ODP; 4) CUSTOMER MAY USE CARD FROM CHECKING ACCOUNT TO WITHDRAWL FROM SAVINGS; 5) CUSTOMER MUST REQUEST PAPER STATMENT