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Checking Accounts

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 StructureSee 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 StructureSee Deposit Rates
Maximum Debits per month6
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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