Transaction Checking


Minimum Opening Deposit: $100.00

Balance Requirements: $700.00 Average Daily Balance.

Fees & Charges: $10.00 monthly service fee if average daily balance falls below $700.00.

ATM Cards: You are allowed 5 free ATM/POS transactions per cycle at non-proprietary terminals and unlimited free ATM transactions at proprietary terminals for personal checking/savings accounts offered. We charge $1.00 for each ATM/POS transaction and/or $.50 for each inquiry for personal checking/savings account transactions in excess of the 5 free per cycle transacted at non-proprietary terminals.

Interest Features: No interest will be earned if balance falls below $700.00. Your interest rate and Annual Percentage Yield may change from time to time. Interest is compounded daily, paid monthly and begins to accrue on the business day you deposit non cash items (e.g., checks). If you close the account before interest is credited, you will not receive the accrued interest. We use the daily balance method to calculate the interest on your account. This method applies a daily periodic rate to the principal in the account each day.

Account Features: Detailed Monthly Statement.

Additional Disclosure: We reserve the right to at any time require not less than seven days notice in writing before any withdrawal from an interest bearing account. At our discretion, we may change the interest rate on your account at any time.