Checking

Direct Deposit Checking

  • Direct Deposit required
  • No minimum balance required
  • Unlimited check writing
  • Free (no annual fee) Mastercard Debit Card or ATM Card
  • If direct deposit not initialized within 30 days or ceases, $3.00 monthly service fee charged
  • Safety Deposit Box free for the first year
  • Non-interest bearing

Basic Checking

  • No minimum to open
  • Unlimited check writing
  • Free (no annual fee) Mastercard Debit Card or ATM Card
  • $3.00 service fee if balance falls below $300.00 (waived for full-time students younger than age 21)
  • Non-interest bearing

NOTICE OF CHANGES IN TEMPORARY FDIC INSURANCE COVERAGE FOR TRANSACTIONS ACCOUNTS

All funds in a “noninerest-bearing transaction account” are insured in full by the Federal Deposit Insurance Corporation from December 31, 2010, through December 31, 2012. This temporary unlimited coverage is in addition to, and seperate from, the coverage of at least $250,000 available to depositors under the FDIC’s general deposit insurances rules.

The term “noninterest-bearing transaction account” includes a traditional checking account or demand deposit account on which the insured depository institution pays no interest. It also includes Interest on Lawyers Trust Accounts (“IOLTAs”). It does not include other accounts, such as traditional checking or demand deposits accounts that may earn interest, NOW accounts and money-market deposit accounts.

For more information about temporary FDIC insurance coverage of transaction accounts, visit www.fdic.gov.