Please look over our selection of checking accounts to find which one is the best type for you.

• Regular Checking
• Student Checking
• Banclub I Checking
• Banclub II Checking
• Banclub III Checking
• Prestige 55 Checking
• 30 Cents A Time Checking
• NOW Checking

REGULAR CHECKING

$100 minimum to open account.
$250 minimum balance daily – If the balance in the account falls below $250.00 any day of the statement cycle (1 month), your account will be charged a $3.00 balance fee plus a $0.15 debit item fee for each debit transaction in that statement cycle.
ATM or Debit card available 6 months after account is opened and in good standing.
Debit card requires credit approval.
Direct Deposit available.

Debit transaction – Withdrawal, check paid, automatic transfer or payment out of this account.

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STUDENT CHECKING

$100 minimum to open account.
No minimum balance required.
No monthly balance fee.
Upon your 25th birthday or completion of schooling (whichever comes first) your account will be changed to a REGULAR CHECKING.
ATM or Debit card available 6 months after the account is opened and in good standing.
Debit card requires credit approval.
Direct Deposit available.

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BANCLUB I

$100 minimum to open account.
No minimum balance required.
A monthly $8.00 maintenance fee includes many benefits such as:
     Free Banclub checks (or $4.00 off per box on any other type of checks)
     Travelers Checks, Cashier's Checks and Money Orders at no charge
     Safe Deposit Box discount
     $10,000.00 Accidental Death & Dismemberment Insurance*
     $5,000.00 Identity Theft Insurance
     Payment Card Protection
     Direct Deposit and much more
A debit item fee of $0.15 will be charged for each debit transaction in excess of 60 during the statement cycle.
ATM or Debit card available 6 months after account is opened and in good standing.
Debit card requires credit approval.

Debit transaction – withdrawal, check paid, automatic transfer or payment out of this account.

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BANCLUB II

$100 minimum to open account.
No minimum balance required.
A monthly $9.00 maintenance fee includes many benefits such as:
     Free Banclub Checks (or $4.00 off per box on any other type of checks)
     Travelers Checks, Cashier's Checks, and Money Orders at no charge
     Safe Deposit Box discount
     $20,000.00 Accidental Death & Dismemberment Insurance*
     $5,000.00 Identity Theft Insurance
     Payment Card Protection
     Direct Deposit and much more
A debit item fee of $0.15 will be charged for each debit transaction in excess of 60 during the statement cycle.
ATM or Debit card available 6 months after account is opened and in good standing.
Debit card requires credit approval.

Debit transaction – withdrawal, check paid, automatic transfer or payment out of this account.

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BANCLUB III

$100 minimum to open account.
No minimum balance required.
A monthly $10.00 maintenance fee includes benefits such as:
     Free Banclub checks (or $4.00 off per box on any other type of checks)
     Travelers Checks, Cashier's Checks, and Money Orders at no charge
     Safe Deposit Box discount
     $20,000.00 (primary owner) / $10,000.00 (Spouse) and $1,500.00 each dependant Accidental Death & Dismemberment Insurance*
     $5,000.00 Identity Theft Insurance
     Payment Card Protection
     Direct Deposit and much more
A debit item fee of $0.15 will be charged for each debit transaction in excess of 60 during the statement cycle.
ATM or Debit card available 6 months after account is opened and in good standing.
Debit card requires credit approval.

Debit transaction – withdrawal, check paid, automatic transfer or payment out of this account.

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PRESTIGE 55

If you are 55 or over you may enjoy this plan.

$100 minimum to open account.
$100 minimum balance required – If the balance in the account falls below $100.00 any day of the statement cycle (1 month), your account will be charged a $7.50 balance fee.
Prestige 55 account benefits include:
     Free Prestige checks (or $4.00 off per box on any other type of checks)
     Travelers Checks, Cashier's Checks, and Money Orders at no charge
     Safe Deposit Box discount
     Direct Deposit
A debit item fee of $0.15 will be charged for each debit transaction in excess of 60 during the statement cycle.
ATM or Debit card available 6 months after account is opened and in good standing.
Debit card requires credit approval.

Debit transaction – withdrawal, check paid, automatic transfer or payment out of this account.

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30 CENTS A TIME

if you don't think you can maintain the minimum balance of a Regular Checking account, and will be writing less than twenty checks per month, this might just be the account for you!

$100 minimum to open account.
No Minimum balance required.
Debit Item Fee - A debit item fee of $0.30 will be charged for each debit transaction on your account.
ATM or Debit card available 6 months after account is opened and in good standing.
Debit card requires credit approval.
Direct Deposit available.

Debit transaction – withdrawal, check paid, automatic transfer or payment out of this account.

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NOW CHECKING

$800 minimum to open account.
$800 minimum balance – If the balance on the account falls below $800.00 any day of the statement cycle (1 month), your account will be charged a $6.00 balance fee plus a $0.25 debit item fee for each debit transaction in that statement cycle.
This account earns interest.
Interest is compounded daily and credited monthly to your account. We use the daily balance method to calculate the interest on your account. This method applies a daily periodic rate to the principal in the account each day.
You must maintain the minimum balance required to earn the Annual Percentage Yield.
Fees may affect earnings on this account.
ATM or Debit card available 6 months after account is opened and in good standing.
Debit card requires credit approval.
Interest rate is variable and may change at any time - please see our Interest Rate Page for details.

Debit transaction – withdrawal, check paid, automatic transfer of payment out of this account.

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FUNDS AVAILABILITY POLICY
Our general policy is to allow you to withdraw funds deposited in your account on the first business day after the day we receive your deposit. Funds from electronic direct deposits will be available on the day we receive the deposit. In some cases, we may delay your ability to withdraw funds beyond the first business day. Then, the funds will generally be available by the fifth business day after the day of deposit.

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