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Checking Accounts

Regular Checking

Minimum Opening Deposit $100
Minimum average daily balance for monthly statement period* $500
Or minimum daily balance in the account each day $300
Maintenance charge if you do not maintain minimum balance $4.50 per month
No maintenance charge if you have direct deposit  


Combined Balance Feature**


ATM/Debit Card Eligible

**Combined Balance Feature:
We will waive the maintenance charge if you maintain a statement saving account with an average daily balance of $1,500 or greater, or a certificate of deposit with an average daily balance of $5,000 or greater.*


Value First Checking


Minimum opening deposit $100
Maximum number of checks per monthly statement period 30
Fee for exceeding the maximum number of checks $.50 per check
No maintenance charge  
Unlimited electronic transactions  


First Choice Checking

Minimum opening deposit $100
Minimum average daily balance for monthly statement period* $1,500
Maintenance charge if you do not maintain minimum balance $5.00 per month
Tiered Rate Structure See deposit rates
No maintenance charge if you have direct deposit  
1 free order of basic checks per year  
50% discount on safe deposit box  
12 no fee cashier's checks and money orders per month  
12 no fee stop payments per year  
1 overdraft fee waived per year  
Loan rate reduction of .25% (some restrictions apply)  
Up to .15% bonus on certificate of deposit rates (some restrictions apply)  



Youth Checking Account


Minimum opening deposit $25
Minimum age 16 (does not require parent or guardian on account)  
No maintenance charge till graduation, age 25 maximum  
ATM/Debit Card eligible at age 18  
Noninterest bearing  
First order of basic checks free  



Senior Advantage Account

One account holder must be at least age 55  
Minimum opening deposit $100
Tiered rate structure See deposit rates
No maintenance charge  
2 free orders of basic checks with direct deposit  
1 free order of basic checks without direct deposit  
4 no fee cashier's checks and money orders per month  

 

Super Now Account

Minimum opening deposit $1,500
Minimum average daily balance for monthly statement period* $1,500
Maintenance charge if you do not maintain minimum balance $8.00 per month
Tiered rate structure See deposit rates

Money Market Account

Minimum opening deposit $1,500
Minimum average daily balance for monthly statement period* $1,500
Maintenance charge if you do not maintain minimum balance $8.00 per month
Tiered rate structure See deposit rates
Maximum transfers from account 6 per month

* The average daily balance is calculated by adding the principal in the account for each

day of the period and dividing that figure by the number of days in the period.

Free online banking, mobile banking, and bill pay are available for all checking accounts.

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