Checking

 New Account Options as of September 1, 2011

Personal Non-Interest
Minimum balance to open: $50
Minimum balance to avoid fee:        $1,000 balance or $25,000 loan or deposite relationship
Service Charge:  $5 for balance of $500 to $999.99 or
$10 for balance of $0 to $499.99
Other:  Image Statements 
Minimum balance to open: $50
Minimum balance to avoid fee:           Daily Positive Balance Maintained 
Service Charge:  $10 if daily positive balance is not maintained 
Other:   E-Statements & Online Banking Required  
Minimum balance to open: $50
Minimum balance to avoid fee:        Daily Positive Balance Maintained 
Service Charge:  $10 if daily positive balance is not maintained 
Other:   Free Notary 
Free Official Checks
Image Statements
Minimum balance to open:  $50
Minimum balance to avoid fee:          None
Service Charge:  None
Other:   Free Notary 
Free Official Checks
Free Wallet Style Checks
Image Statements
Account only available to customers age 50 or better
Personal Interest
Minimum balance to open:   $50
Minimum balance to avoid fees: Daily Positive Balance Maintained  
Service Charge: $10 if daily positive balance is not maintained 
$5 if you do not meet transaction requirements: must have an ACH In or Out of the Account and have 15 debit card transactions
Interest Rate Tiers: $.01 to $10,000
$10,000.01 to $25,000 
$25,000.01 + 
Other: E-statements, On-line Banking, and ACH Activity Required 
 
Minimum balance to open: $1,500 
Minimum balance to avoid fees:  $1,500 
Service Charge:  *NSC or $10 if Minimum balance is not maintained 
Interest Rate Tiers:  $1,500 to $5,000
$5,000.01 to $10,000
$10,000.01 to $25,000
$25,000.01 to $50,000
$50,000.01 + 
Other:  Unlimited check writing
Image Statements 
Personal Money Market
Minimum Balance to open: $2,500
Minimum balance to avoid fees: $2,500
Service Charge: *NSC or $10 if Minimum balance is not maintained
Interest Rate Tiers: $2,500 to $10,000
$10,000.01 to $25,000
$25,000.01 to $50,000
$50,000.01 to $100,000
$100,000.01 + 
Other: Limit of 6 covered transactions per month, thereafter $5 per transaction
Image Statements 
Business Non-Interest
Minimum balance to open:  $100 
Minimum balance to avoid fees: $250 
Service Charge:  *NSC or $6 if Minimum balance is not maintained   
Interest Rate:  Interest Available under certain conditions 
Other Ideal for Clubs, Churches, etc.
Image Statements 
Minimum balance to open:  $100 
Requirements to avoid fees:  $1,500 Minimum balance
$50,000 Loan or Deposit Relationship 
Service Charge:  *NSC or $12 if Minimum balance is not maintained 
Other: Ideal for DBA’s, LLC’s, and Corporations
Image Statements 
Business Interest
Minimum balance to open:  $100
Requirements to avoid fees:  $1,500 minimum balance or
$50,000 loan or deposit relationship
Service Charge:   *NSC or $12 if minimum balance is not maintained 
Interest Rate Tiers: $10,000.01 to $25,000
$25,000.01 to $100,000
$100,000.01 +  
Other:  Ideal for DBA’s, LLC’s, and Corporations
Image Statements 
Business Money Market
Minimum Balance to open: $2,500 
Minimum balance to avoid fees: $2,500 
Service Charge:  *NSC or $20 if Minimum balance is not maintained 
Interest Rate Tiers:  $2,500 to $10,000
$10,000.01 to $25,000
$25,000.01 to $50,000
$50,000.01 to $100,000
$100,000.01 +  
Other:  Limit of 6 covered transactions per month, thereafter $10 per transaction
Image Statements 

*NSC = “No Service Charge

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