Personal Banking Fee Schedule

PERSONAL CHECKING ACCOUNTS

Flat Fee Checking:

The minimum required to open a Flat Fee Checking account is $100. You may avoid a monthly service fee by meeting one of the following balance requirements: maintaining a $500 minimum daily balance in your checking or a $1,000 average daily balance in your checking. If your balance does not meet one of the requirements listed above your monthly maintenance fee will be $8. There are no per check or debit fees for this account.

Regular Checking:

The minimum required to open a Regular Checking Account is $100. You may avoid a monthly service fee by meeting one of the following balance requirements: maintaining a $500 minimum daily balance in your checking or a $1,000 average daily balance in your checking. If your balance does not meet one of the requirements listed above your monthly maintenance fee will be $3. There is a $.20 per check or debit fee for this account if your balance does not meet one of the requirements listed above.

Now Account Checking:

The minimum required to open a Now Account Checking is $100. You may avoid a monthly service fee by meeting one of the following balance requirements: maintaining a $750 minimum daily balance in your checking or a $1,500 average daily balance in your checking. If your balance does not meet one of the requirements listed above your monthly maintenance fee will be $8. There is also a $.20 per check or debit fee for this account if your balance does not meet one of the requirements listed above. This account is interest bearing.

Crown Account:

The minimum required to open a Crown Account is $100. This account is designed for customers who are 50 or older. There is no monthly service fee on this account. This account is interest bearing.

VIP Account:

Our VIP Account rewards you for doing all of your banking with us! There are several ways to qualify for our VIP Account:

Maintain a $10,000 minimum daily balance on any combination of Checking, Savings, or Money Market accounts
Maintain $15,000 minimum balance in a CD or IRA
Maintain a $20,000 outstanding balance on any installment loan
Maintain a combined balances of $20,000 on any combination above

The monthly maintenance fee if your balance does not meet one of the requirements listed above is $18

Money Market Account:

The minimum required to open a Money Market Account is $1,000. You may avoid a monthly service fee by maintaining a $1,000 minimum daily balance in your account. If your balance does not meet the requirement listed above your monthly maintenance fee will be $8.

This account is interest bearing. You will earn increasingly higher rates on your entire collected balance, based on three tiers.

With a Money Market Account, you are limited to six (6) third-party transactions, no more than three (3) of which can be checks. The other three (3) transactions can be preauthorized drafts or automatic transfer to other accounts. There are no legal limitations on the number of transfers or withdrawals made by mail, in person, or at an ATM. If transactions exceed the legal limit, there will be a $5 fee per transaction.

Regular Savings:

The minimum required to open a Regular Savings Account is $100. There will be a quarterly charge of $5 deducted from your account if the daily balance falls below $100. With the Regular Savings Account you can make up to three (3) withdrawals per quarter at no charge. For additional withdrawals, there is a $2 charge per withdrawal.