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Checking

 

Personal Checking Comparison Chart

Regular
Checking

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

See Below

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

 

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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