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Personal Checking & Money Market Accounts

Below is a chart that allows you to easily compare the variety of checking accounts available for you to choose from.

 Personal CheckingCommunity LeadersExecutive CheckingMoney Market Checking
Minimum balance to open$100No Minimum$1,000$1,500
Minimum balance to avoid imposition of fees$0.00$0.00$1,000*$1,500*
Monthly maintenance fee charge$0.00$0.00$8.00*$10.00**
Number of monthly debit transactions allowedUnlimitedUnlimitedUnlimited6 per Statement Cycle
Earns interestNoNoYesYes
Age requirements55 and over
Internet Banking & eStatementsNo ChargeNo ChargeNo ChargeNo Charge
Online BillpayNo ChargeNo ChargeNo ChargeNo Charge
Visa Check Card (debit card)
Replace lost Visa Check Card
No Charge

$12.00
No Charge

$12.00
No Charge

$12.00
No Charge

$12.00
* minimum daily balance* minimum daily collected balance
** if monthly balance requirements not met** if monthly balance requirements not met

Personal Checking Account

This flexible Personal Checking Account allows you the ability to write an unlimited number of checks per month, with the opportunity to have a service free account. You must deposit $100.00 to open this account. A maintenance fee charge of $3.00 will be charged every statement cycle if the minimum balance in the account falls below $500.00 any day of the cycle. This fee will not apply if you maintain a minimum daily balance of $500 during the statement cycle, or you have a recurring direct deposit to the account during the statement cycle.

Community Leaders Account

This account is “free” to all our clients 55+ years young. The Bank’s Community Leaders Account allows you to write an unlimited number of checks and has no minimum balance to maintain. A true win-win for you.

Executive Checking Account (NOW)

This NOW Account pays you a competitive rate of interest, based on the balance in your account. You have the ability to write an unlimited number of checks per month. This account provides the opportunity to have a service charge free account. You must deposit $1,000.00 to open this account. A maintenance fee charge of $8.00 will be charged every statement cycle if the balance in the account falls below $1,000.00 any day of the cycle. This fee will not apply if you maintain a minimum daily balance of $1,000.00 during the monthly statement cycle.

Money Market Checking Account (Personal)

The Bank’s personal Money Market Checking Account gives you the flexibility to write six checks per statement cycle, with unlimited withdrawals in person, all while you earn a competitive rate of interest. You must deposit $1,500.00 to open this account. A maintenance fee charge of $10.00 will be charged every statement cycle unless you maintain a daily collected (funds for which we have received credit) balance of $1,500.00 for the statement cycle.

Benefits

All personal checking accounts include these accessory services and benefits:

  • FDIC Insured,
  • Personalized Service,
  • Easy to use and access:
    • In Person
    • 24-Hour Telephone Banking
    • Online Banking, with eStatements
  • ACH and Direct Deposit accepted to any account,
  • Free ATM or Debit Card,
  • Combined monthly statements optional,
  • Reserve Checking Account (overdraft protection) available*, and
  • Many other accessory services.

*Subject to credit approval

For more information on any of the Bank’s Personal Checking Account options, call or visit a Personal Banker at one of our convenient locations.

Important FDIC Notice Regarding Noninterest-Bearing Transaction Accounts