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Regular Checking
| Minimum Opening Deposit | $100.00 |
| Minimum Average Daily Balance | $500.00 |
| OR Minimum Daily Balance | $300.00 |
| Below Average or Minimum Balance Fee | $4.50 |
Combined Balance Feature*
ATM/Debit Card Eligible
*Combined Balance Feature:
We will waive the below minimum balance fee if you maintain with us a Savings Account with an average daily balance of $1,500.00 or greater, or a Certificate of Deposit with an average daily balance of $5,000.00 or greater. |
EFFICIENCY CHECKING
| Minimum Opening Balance | $100.00 |
| Monthly service charge |
None |
| Maximum number of withdrawals per cycle |
30 |
| Over Maximum number of withdrawals fee, each | $.50 |
SUPER NOW ACCOUNT
| Minimum Opening Balance | $1,500.00 |
| Average Monthly Minimum Balance | $1,500.00 |
| Below Average Monthly Minimum Balance Fee | $8.00 |
| Tiered Rate Structure | See Deposit Rates |
MONEY MARKET ACCOUNT
| Minimum Opening Balance | $1,500.00 |
| Average Monthly Minimum Balance | $1,500.00 |
| Below Average Monthly Minimum Balance Fee | $8.00 |
| Tiered Rate Structure | See Deposit Rates |
| Maximum Debits per month | 6 |
| Only 3 of the 6 Debits may be by check | |
SENIOR ADVANTAGE ACCOUNT
- No minimum balance required after opening
- No monthly service charge
- Interest paid monthly on balances of $1,500.00 or more
GENERATIONS GOLD, INTEREST BEARING CHECKING
- Combined minimum balance of $25,000 in Certificates of Deposit, Loans (excluding Mortgage and Home Equity), Savings, and IRAs to avoid monthly service charge of $6.50. ($3.25 for senior citizens age 60 and above)
- 2 free orders of Generations Gold checks per year (other checks at 1/2 Price)
- Free Accidental Death & Dismemberment Insurance of $10,000.00
- Safe Deposit Box 50% Discount
- 4 no charge cashier checks and money orders per month
- 4 no charge stop pays per year
- 2 no charge wire transfers per year
- Loan rate reduction of 1/4% (some restrictions apply)
- Interest on balances of $1,500.00 and above
- Special consumer discounts
YOUTH CHECKING ACCOUNT
- Minimum Age 16 (does Not require parent or guardian on account)
- No Service charge to graduation, age 25 maximum
- No Minimum Balance
- ATM Card Eligible
- Debit Card Eligible at age 18
- NON-interest bearing
- 1st order of 150 standard checks free
- $25.00 minimum to open account
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