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CHECKING
This is our schedule of account charges and interest rates for
the different types of personal checking accounts
we offer. From time to time we may offer programs
under which we may waive some of the fees described
below.
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Regular Checking |
Next Generation Checking |
Plus Checking |
Over 50 Checking |
| Minimum
daily balance needed for no-fee |
$300.00 |
$0.00* |
$2,000.00 |
$300.00 |
| Initial
deposit required to open the account |
$50.00 |
$50.00 |
$2,000.00 |
$50.00 |
Monthly maintenance fee (If daily
balance falls below the above minimum) |
$4.00 |
$0.00* |
$8.00 |
$5.00 |
| Check writing privileges |
Unlimited |
unlimited |
Unlimited |
Unlimited |
| Variable Rate Account |
No |
No |
Rate
determined daily |
Rate determined
daily |
| Interest Paid |
No |
No |
Monthly
on statement cycle date |
Monthly on statement
cycle date |
| Tiered interest paid on account |
No |
No |
Yes |
No |
| Free Standard Checks |
No |
No |
Yes |
Yes |
| Plus Account*** |
Interest Rates |
APY* |
| $0.00 - $1,999.99 |
0.00% |
0.00% |
| $2,000.00 - $4,999.99 |
0.05% |
0.05% |
| $5,000.00 - $9,999.99 |
0.05% |
0.05% |
| $10,000.00 - $24,999.99 |
0.05% |
0.05% |
| $25,000.00 - $49,999.99 |
0.10% |
0.10% |
| $50,000 and higher |
0.15% |
0.15% |
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| Club Account*** (over 50) |
Interest Rates |
APY* |
| $0.00 - $299.99 |
0.00% |
0.00% |
| $300.00 and higher |
0.05% |
0.05% |
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| Business Now*** |
Interest Rates |
APY* |
| $0.00 - $999.99 |
0.00% |
0.00% |
| $1,000.00 - $4,999.99 |
0.05% |
0.05% |
| $5,000.00 and higher |
0.10% |
0.10% |
*APY(Annual Paercentage Yield) = Interest left and compounded for one year.
***Fees could reduce earnings. |
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| Fees: |
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| NSF-Return |
$30.00 |
| Overdraft |
$30.00 |
| Copy
of Check |
$1.00/ea |
| Stop
Payment |
$30.00 |
| Renewal
of Stop Payment |
$30.00 |
| Account
Research/Reconclliation($5.00 min) |
$20.00/hr |
| Check
Printing |
Varies
w/Style |
| Replacement
notebook (initial notebook free) |
$5.00 |
| ACH
Returned Item |
$30.00 |
| Returned
Deposited Item |
$10.00 |
| Checks
included in Statement |
$15.00 |
| Business
Checks included in statement |
$25.00 |
| Early
Closing Fee (Within 90 Days of Opening) |
$20.00 |
| Dormant
Account Fee (After One Year) |
$5.00/per
month |
| Replacement
ATM/Debit Card |
$5.00 |
| Reissue
PIN |
$1.00 |
| Statement
Copy |
$1.00 |
| Garnishment
Fee |
$50.00 |
| Fax |
$2.00/per
page |
| Copies |
$.25
per page |
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| Cashing
Non-Customers Checks Fee: |
| <$500.00 |
$5.00 |
| >$500.00 |
$2.00/
per hundred |
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| Foreign Check Item Processing Fee: |
| Current Conversion/ Exchange Rate |
Prevailing Cost |
| Exchange Rate Fee |
$28.00 per item |
| NSF Foreign Ck Return Fee |
$20.00 |
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* There is no Minimum Balance Fee on the Next Generation Checking Account until the account holder reaches the age of 26. After the account holder reaches the age of 26, the account will convert to a Regular Checking account and will be subject to a $4.00 service charge fee every statement cycle, if the account balance falls below $300 any day of the cycle. |
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Telephone
BankingTM
1-888-416-3384
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