PERSONAL BANKING
CHECKING

Seniors First Program

Exclusive to the Smart Checking Account (below), the Seniors First Program offers to accountholders age 55 and older the following benefits at no charge:

• A 0.10% interest rate increase over the standard rate paid on the Smart Checking Account
• A free box of basic checks once per year
• No charge for cashiers checks
• No charge for paper statements or eStatements

The Seniors First Program requires enrollment at one of our branch locations. Speak with a Customer Service Representative today!

Action Checking

Our Action Checking account offers simplicity, giving you the services you need without the hassles.

• $100 minimum balance to open
• No account fee each statement cycle
• Online Banking and Bill Pay
• Unlimited check writing
• ATM or debit card
• eStatements
• Check images accessible through Online Banking

Smart Checking

We believe that an account that enables you to earn interest with few requirements is truly “smart.”

• $100 minimum balance to open
• $10 account fee can be avoided by maintaining a $100 minimum balance each statement cycle
• Online Banking and Bill Pay
• Unlimited check writing
• ATM or debit card
• eStatements
• Check images accessible through Online Banking

Premium Checking

Our premier account, designed for those who keep higher checking balances, pays interest at balance-based tiered rates.

• $10,000 minimum balance to open
• $15 account fee can be avoided by maintaining a $2,500 minimum balance each statement cycle
• Tiered interest paid as follows:
  • Up to $2,499
  • $2,500-$9,999
  • $10,000 and up
• Online Banking and Bill Pay
• Unlimited check writing
• Basic checks provided at no charge
• ATM or debit card
• eStatements or paper statements available at no charge
• Check images accessible through Online Banking

eStatements

Choosing to receive eStatements enables you to see, print, and store your account statements and check images within the security of Online Banking. An email message is automatically sent to you each time your new eStatement is available for viewing. Additionally, you have the ability to add third-party access for an accountant, attorney, etc. Plus, we’ll archive your eStatements for 18 months.

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