Non-Profit Organization Checking Features Earns a credit based on average collected balances that is applied to reduce fees. No minimum balance ATM card available ($1.00 charge per card per statement cycle) Touchtone Banker Benefits May avoid service charges if a sufficient balance is maintained ATM card provides convenient 24 hour access to account at many locations Touchtone Banker provides convenient 24 hour access to account information Service Charges:  $1.00 monthly maintenance fee (No fee if five or fewer checks are written during a statement cycle) Check Charges:  $.15 per check charge Earnings Credit:  Calculated by applying the NOW account rate to the average collected balance for the monthly statement cycle.