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Checking

 

Personal Checking Comparison Chart
Sweet Rewards Checking Sweet Tunes Checking

Regular
Checking

 Free
Checking		 Senior Citizen
Checking		 NOW
Checking		 Super NOW
Checking		 Health Savings
Account
Opening Deposit $100 $50 $100 $50 $100 $1200 $5000 $50
Minimum Daily Balance N/A N/A See Below N/A N/A $1200 $5000 $2500
Monthly Fee N/A N/A

See Below

 N/A N/A See Below $10 See Below
Fall Below Fee N/A N/A See Below N/A N/A $6 N/A $3
ATM/ Debit Use Unlimited Unlimited Unlimited Unlimited Unlimited Unlimited Unlimited Unlimited
Interest See Below See Rewards Below No No No Yes Yes Yes
Internet Bill Payment Free Free Free Free Free Free Free Free

 

Sweet Rewards Checking
Minimum to Open $100
Service Charge per Average Daily Balance

None
Fees/Transaction Limitations None
Earns Interest

3.05% APY* on balances up to $10,000
1.05% APY* on balances over $10,000
Must meet monthly qualifications: 15 debit card purchases, access online banking, e-mail statement, one Direct Deposit or ACH Auto Debit.
Minimum Balance to earn Interest N/A
Special Features

To earn high interest rate and receive any ATM fee refunds the following monthly qualifications must be met: 15 debit card purchases, access online banking, e-mail statement, one Direct Deposit or ACH Auto Debit. If qualifications are not met, no penalties and still earn .05% APY*.
* APY = Annual Percentage Yield. Reward rate and ATM fee refunds awarded on qualifying cycles only. 

 

Sweet Tunes Checking
Minimum to Open $50
Service Charge per Average Daily Balance

None
Fees/Transaction Limitations None
Earns Rewards

$10 free iTunes downloads every month.
$20 free iTunes downloads at sign up.
Must meet monthly qualifications: 15 debit card purchases, access online banking, and e-mail statement.
Minimum Balance to earn Interest N/A
Special Features

To earn free iTunes downloads and receive any ATM fee refunds the following monthly qualifications must be met: 15 debit card purchases, access online banking, and e-mail statement. If qualifications are not met, no penalties and still have a free checking account.

Regular Checking
Minimum to Open $100
Service Charge per Average Daily Balance

$0
$3
$5    
$7

$700 & up
$400-$699.99
$200-$399.99
$0-$199.99
Fees/Transaction Limitations $.15 per debit item after 30
Earns Interest N/A
Minimum Balance to earn Interest N/A
Special Features ATM/Debit Card may be added to this account, free Online Banking and Bill Pay, monthly statement with images


 

Free Checking
Minimum to Open $50
Service Charge per Average Daily Balance None
Fees/Transaction Limitations Unlimited free debits
Earns Interest No
Minimum Balance to earn Interest N/A
Special Features Unlimited ATM/Debit transactions

 

Senior Citizen Checking
(62 years of age and older)
Minimum to Open $100
Service Charge per Average Daily Balance None
Fees/Transaction Limitations Unlimited free debits
Earns Interest No
Minimum Balance to earn Interest N/A
Special Features Unlimited ATM/Debit transactions



NOW Checking
(Individuals, Sole Proprietor, Non Profit, Trust/Estate (all heirs/beneficiaries are individuals), Government Entity, and Pension Funds, Escrow Accounts, and Security Deposits)
Minimum to Open $1,200
Service Charge per Average Daily Balance $0
$6		 $1,200 and above
$1,199 and below
Fees/Transaction Limitations $.20 per debit item after 25
Earns Interest YES
Minimum Balance to earn Interest $1,200
Special Features A checking account that earns interest
ATM/Debit Card may be added to this account



Super NOW Checking
(Individuals, Sole Proprietor, Non Profit, Trust/Estate (all heirs/beneficiaries are individuals), Government Entity, and Pension Funds, Escrow Accounts, and Security Deposits)
Minimum to Open $5,000
Service Charge per Average Daily Balance $10
Fees/Transaction Limitations Unlimited free debits
Earns Interest YES
Minimum Balance to earn Interest $5,000
Special Features A checking account that earns interest
ATM/Debit Card may be added to this account


 

Health Savings Account
Minimum to Open $50.00
Service Charge

$3.00 fee will be imposed per cycle when the average daily balance falls below $2,500.00

Fees $25.00 one time set up fee
Earns Interest YES
Minimum Balance to earn Interest $50.00
Special Features Unlimited transactions, Free Online banking, Free Bill Pay, (2) Free Debit Cards, No Annual Fee


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