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Checking Accounts

My Way Checking

My Way Checking is the name associated with a package of services that conform to your busy lifestyle and gives you the freedoms you desire from your community bank. This account features eStatements, a VISA debit card and unlimited check writing. Internet banking and On-Line Bill Pay are available to you 24 hours a day.

Limitations: You must deposit $100.00 to open this account.

Account Fees: A monthly service fee of $5 will be imposed unless one of the following criteria is met; (1) the account receives a monthly direct deposit and/or (2) the account maintains an average daily balance of $1,000 or more per statement cycle.

If you choose, you may receive paper statements with check images. However, there will be a $5.95 Paper Statement Fee per statement cycle assessed to the account. ***to avoid this charge, customers must elect to receive eStatements.

NOW Checking

The account for those individuals and unincorporated entities who want to earn competitive interest on their checking deposits. Interest is paid on all balances via a competitive rate structure. 

Rate Information: This account is an interest bearing account. The interest rate and annual percentage yield may change. At our discretion, we may change the interest rate on the account daily. Interest begins to accrue no later than the business day you deposit non-cash items (for example, checks). Interest will be compounded daily and will be credited to the account monthly. If the account is closed before interest is credited you will receive the accrued interest. 

Balance Information: We use the daily balance method to calculate the interest on the account. This method applies a daily periodic rate to the principal in the account each day. You must maintain a minimum balance of $1,500 in the account each day to obtain the disclosed annual percentage yield. At our discretion we can change the interest rate. 

Limitations: You must deposit $1,500.00 to open this account. 

Account Fees: A $10.00 monthly maintenance charge will be imposed if the daily balance falls below $1,500.00 any time during the month.

Super NOW Checking

The account for those individuals and unincorporated entities who want to earn competitive interest on their checking deposits. Interest is paid on all balances via a competitive rate structure.

Rate Information: This account is an interest bearing account. The interest rate and annual percentage yield may change. At our discretion, we may change the interest rate on the account daily. Interest begins to accrue no later than the business day you deposit non-cash items (for example, checks). Interest will be compounded daily and will be credited to the account monthly. If the account is closed before interest is credited you will receive the accrued interest.

Balance Information: We use the daily balance method to calculate the interest on the account. This method applies a daily periodic rate to the principal in the account each day. You must maintain a minimum balance of $2,500 in the account each day to obtain the disclosed annual percentage yield. At our discretion we can change the interest rate.

Limitations: You must deposit $2,500.00 to open this account.

Account Fees: A $10.00 monthly maintenance charge will be imposed if the daily balance falls below $2,500.00 any time during the month.

A checking account designed for our young adult customers ages 14 to 24. Special features allow you to show responsibility and gain financial independence.
Among the benefits of the NextGen Checking account are eStatements, a VISA debit card, unlimited check writing and there’s no required minimum balance. Internet banking and On-Line Bill Pay are available to you 24 hours a day.

Limitations: You must deposit $100.00 to open this account. The account must be opened with a parent or legal guardian, if you are under the age of 18. The Minor Debit Card Authorization Form must be completed & signed by the parent or legal guardian prior to issuing a debit card in the minor’s name.

Account Fees: There are no monthly service fees. eStatements are included with the NextGen Checking account, if you choose, you may receive paper statements with check images instead; however, there will be a $5.95 Paper Statement Fee per statement cycle assessed to the account.

Senior Checking

A checking account designed for our customers ages 50+. Among the benefits of the Senior Checking account are the customer’s choice of Paper or eStatements, a VISA debit card, unlimited check writing and there’s no required minimum balance. Internet banking and On-Line Bill Pay are available to you 24 hours a day. One free box of basic checks per year from the bank endorsed provider.

Limitations: You must deposit $100.00 to open this account.

Account Fees: There are no monthly service fees.

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