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Checking

  No Frills
Checking
Regular
Checking
ePay
Checking
Student
Checking
Now
Checking
HSA
Checking
Minimum to
Open
$50 None None None $750 $50
Minimum Balance to Avoid Service Charge None $400 $500 None $750 $500
Transaction Limitations None 25 free debits per cycle 10 free paper debits None 25 free per cycle None
Account Statements Monthly, images included, e-statements required Monthly, images included Monthly, images included, e-statements required
Monthly, images included
Monthly, images included
Monthly, images included, e-statements required
Extras ATM / Debit card available Fees waived for senior citizens (62) ATM / Debit fees waived Fees waived for students Interest credited monthly  Checks and/or debit card included

No Frills Checking
  • No monthly service charge
  • No minimum balance
  • Unlimited check writing
  • e-statements required
Regular Checking
  • Minimum balance   - monthly service charge
    $400 and above    - None
    $300 to $399.99   - $2
    $200 to $299.99   - $3
    $100 to $199.99   - $4
    Less than $99.99  - $5
  • 25 free debit transactions per statement cycle
  • Full-time students and senior citizens avoid service charges if you have notified us
ePay Checking
  • ATM / Debit cardholder fees and certain transaction fees are waived
  • Minimum balance of $500 to avoid maintenance fees. $500 average available balance in your checking or savings account on the last day of the statement cycle. ($5 charge below $500 average available balance).
  • 10 free paper debits per statement cycle ($.15 for each debit over 10 per statement cycle)
  • e-statements required
NOW Checking
  • Earn competitive interest with the convenience of check writing
  • Interest is compounded and credited monthly
  • 25 free debit transactions per statement cycle ($.15 charge for each debit over 25. $.08 charge for each out of town check deposited over 10). Per check item charges waived with average balance of $5000 during statement cycle.)
  • No maintenance fees on balances over $750 (Account balances below $750 will be charged a $5 maintenance fee)
HSA Checking
  • Earn competitive interest
  • e-statements required
  • Minimum balance   - monthly maintenance fees
    $500 and above    - None
    $50 to $499.99     - $2.50
    Less than $49.99  - $7.50
  • One time "account setup fee" - $15.00
  • Qualified account for participants of a "High Deductible Health Plan"
Additional Services
  • ATM/Debit card available to qualified account holders
  • Touchtone Banker–24 hour telephone access to your account
  • Safety Check–cash reserve overdraft protection (with approved credit)
  • Automatic transfer from savings to checking to cover those unexpected overdrafts
  • Internet Banking–access to your account (s) anytime, anywhere
  • Direct deposit
  • eAlerts-email or text messages with current account information
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