Personal Checking Accounts

Regular Checking

  • You must deposit $100.00 to open this account.
  • No minimum to open for account holders under 18 years of age, however, an adult signer is required. 

Now Account

  • Your interest rate and annual percentage yield may change.
  • We may change the interest rate on your account at any time.
  • At our discretion, we may change the interest rate on your account.
  • Interest will be compounded daily.  Interest will be credited to your account monthly.
  • If you close your account before interest is credited, you will not receive the accrued interest.
  • You must deposit $300.00 to open this account
  • A below minimum balance fee of $7.00 will be imposed every statement cycle if the balance in the account falls below $300.00 any day of the cycle.
  • You must maintain a minimum balance of $300.00 in the account each day to obtain the disclosed annual percentage yield. 
  • 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.
  • Interest begins to accrue on the business day you deposit noncash items (for example, checks).

Fees- A per debit fee of $.07 will be charged for each check/debit paid out of this account during a statement cycle.  This fee will apply if the balance in the account falls below the $300.00 minimum balance to obtain the annual percentage yield any day of the statement cycle.

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Money Market Account

Big Check Account

  • Your interest rate and annual percentage yield may change.
  • We may change the interest rate on your account at any time.
  • At our discretion, we may change the interest rate on your account.
  • Interest will be compounded daily.  Interest will be credited to your account monthly.
  • If you close your account before interest is credited, you will not receive the accrued interest. 
  • You must deposit $2500.00 to open this account.
  • A below minimum balance fee of $7.00 will be imposed every statement cycle if the balance in the account falls below $2500.00 any day of the cycle.
  • You must maintain a minimum balance of $2500.00 in the account each day to obtain the disclosed annual percentage yield.
  • 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.
  • Interest begins to accrue on the business day you deposit noncash items (for example, checks).
  • Transfers from a Big Check account to another account or to third parties by preauthorized, automatic, telephone, or computer transfer or by check, draft, or similar order to third parties are limited to six per statement cycle.  The minimum check withdrawal you may make is $250.00. 

Fees- An excess withdrawal fee of $15.00 will be charged for each on-line transfer or debit item to a third party in excess of six during a statement cycle.  A per debit item fee of $.07 will be charged for each check/debit paid out of this account during a statement cycle.  This fee will apply if your balance falls below the $2500.00 minimum balance to obtain the annual percentage yield any day during the statement cycle. 

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Savings Accounts

Savings Account

  • Your interest rate and annual percentage yield may change.
  • We may change the interest rate on your account at any time.
  • At our discretion, we may change the interest rate on your account.
  • Interest will be compounded daily.  Interest will be credited to your account quarterly.
  • If you close your account before interest is credited, you will not receive the accrued interest.
  • 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. 
  • Interest begins to accrue on the business day you deposit noncash items (for example, checks).
  • Transfers from a Savings account to another account or to third parties by preauthorized, automatic, telephone or computer transfer or by check, draft, debit card, or similar order to third parties are limited to six per month.

Fees- An excess withdrawal fee of $3.00 will be charged for each withdrawal in excess of six during a month. 

Health Savings Account

  • Your interest rate and annual percentage yield may change.
  • We may change the interest rate on your account at any time.
  • At our discretion, we may change the interest rate on your account.
  • Interest will be compounded daily.  Interest will be credited to your account monthly.
  • If you close your account before interest is credited, you will not receive the accrued interest.
  • 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.
  • Interest begins to accrue no later than the business day we receive your deposit of noncash items.
  • Transaction limitations:
    • The maximum amount you may deposit is subject to IRS contribution limits.
    • There are no limitations on the frequency or timing of deposits.
    • Must sign a withdrawal form prior to the first distribution of funds, then distribution of funds may be made at any time upon your specification.
    • Distributions will be reported as qualified medical expenses unless you notify us in writing within 15 days of distribution.

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Personal Checking Accounts
Money Market Account
Savings Accounts
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