Checking Accounts

Visit a Customer Service Representative at any of our three locations and open the account that's right for you. We offer the following options on every account.

• No charge  for  ATM card (may be subject to usage charges at ATMs owned and operated by others)
• No charge  for  Visa Debit Card
• No charge  for  telephone banking (Quick Balance Line)
• No charge  for  online banking
• No charge  for  monthly statement

Personal Checking Account

• $25.00 deposit to open the account
• Unlimited check writing.
• No charge for online Bill Pay
  
• Images of checks and deposits are mailed with your statement.
  
• Avoid monthly maintenance fees by keeping a daily minimum balance of $300 or more. If your balance drops below $300 at any time during the month, you will be charged a maintenance fee of $4.95.
  
• Normal non-sufficient or overdraft charges will apply to each item that overdraws your account.
  
• No charge for direct deposits

Free Checking Account - No minimum balance required

• $25.00 deposit to open the account
  
• Unlimited check writing.
  
• No charge for online Bill Pay
  
• No monthly maintenance fee
  
• Check and deposit images are not returned with your statement
  
• Check and deposit images are available online for two years
  
• 2 free check or deposit images a month. $1.00 per image will be charged for each additional image
  
• Normal non-sufficient or overdraft charges will apply to each item that overdraws your account.
  
• No charge for direct deposits

Free Senior Citizen Checking Account - Available to Senior Citizens (Age 62)

• $100.00 deposit to open the account
  
• Unlimited check writing.
  
• No charge for online Bill Pay
  
• Customers are required to notify the bank when they reach the age of 62.
  
• No monthly maintenance fee
  
• Images of checks and deposits are mailed with your statement.
  
• One account per qualifying customer
  
• Normal non-sufficient or overdraft charges will apply to each item that overdraws your account.
  
• No charge for direct deposits

Free Checking for Churches, Civic Organizations or Municipalities

• $100.00 deposit to open the account
  
• Unlimited check writing.
  
• No charge for online Bill Pay
  
• No monthly maintenance fee
  
• Images of checks and deposits are mailed with your statement.
  
• One account per qualifying customer
  
• Normal non-sufficient or overdraft charges will apply to each item that overdraws your account.
• No charge for direct deposits

Business Checking Account

• $100.00 deposit to open the account
  
• Images of checks and deposits are mailed with your statement.
  
• Monthly maintenance fee is subject to cost analysis and other service charges.
  
• There will be a maintenance fee of $4.95 if your daily account balance falls below $300.
  
• Normal non-sufficient or overdraft charges will apply to each item that overdraws your account.

Regular Now - Interest Bearing Account

• $1,200.00 deposit to open the account
  
• No charge for online Bill Pay
  
• The interest rate and annual percentage yield may change.
  
• Images of checks and deposits are mailed with your statement.
  
• Avoid monthly maintenance fees by keeping a daily minimum balance of $1,200 or more. If your balance drops below $1,200 at any time during the month, you will be charged a maintenance fee of $5.95.
  
• A $.15 per check charge if balance is less than $1,200.00.
  
• Normal non-sufficient or overdraft charges will apply to each item that overdraws your account.
  
• No charge for direct deposits

Super Now - Interest Bearing Account

• $2,500.00 deposit to open the account
  
• No charge for online Bill Pay
  
• The interest rate and annual percentage yield may change.
  
• Images of checks and deposits are mailed with your statement.
  
• Avoid monthly maintenance fees by keeping a daily minimum balance of $2,500 or more. If your balance drops below $2,500 at any time during the month, you will be charged a maintenance fee of $5.95.
  
• Normal non-sufficient or overdraft charges will apply to each item that overdraws your account.
  
• No charge for direct deposits

Contact a Customer Service Representative at any location for a copy of our account disclosures
which include all terms and account fees.