Personal Checking Accounts
Personal Checking
ACCOUNT BENEFITS
Initial Debit Card is Free
Bill Pay*
Unlimited Electronic Transactions
Unlimited Deposits – No Charge
Unlimited Check Writing
No per item fee
Free Online Banking*
Free E-Statement (with Online Banking)*
Free Mobile Banking*
Free Mobile Deposit*
Free Express Phone Banking*
MINIMUM BALANCE REQUIREMENTS
Minimum Opening Deposit $100.00
Minimum Ledger Balance to Avoid Monthly Service Charge $750.00
FEES AND CHARGES
Monthly Service Charge
If your ledger balance falls below $750.00 during statement period $7.00
Paper Statement Fee
$2.00 – If your ledger balance falls below $750.00 during the statement period and delivered a paper periodic statement.
See Schedule of Fees for other charges that may be incurred.
ADDITIONAL DISCLOSURE INFORMATION
Statement Period: Monthly
*Message, data, and/or internet service provider rates may apply, as applicable.
Diamond Club Account
ACCOUNT BENEFITS
Free Wallet Style Logo Checks
Unlimited Check writing
Unlimited Electronic Transactions
Unlimited Deposits – No charge
No per item fee
Initial Debit Card is Free
Bill pay*
Free Online Banking*
Free E-Statement (with Online Banking)*
Free Mobile Banking*
Free Mobile Deposit*
Free Express Phone Banking*
$5,000 Identity Theft Fraud Expense Reimbursement Coverage
Security Benefit – Credit Card Registration
Insurance Benefit
Entertainment Benefit – Entertainment Savers Guide
Shopping Benefit – Cash Back Member Rewards
Free Photocopy Service (Limits may apply)
Up to three (3) Cashier’s Checks per month – No Fee
Up to three (3) Money Orders per month – No Fee
Discounted Fax Services ($5.00 with a maximum of 10 pages)
50% Discount Safe Deposit Box Rent (first year)
Unlimited Deposits – No Charge
MINIMUM BALANCE REQUIREMENTS
Minimum Opening Deposit $100.00
FEES AND CHARGES
Monthly Service Charge
| Class I | $10,000.00 Accidental Death and Dismemberment Insurance* | $10.00 |
| Class II | $20,000.00 Accidental Death and Dismemberment Insurance* | $12.00 |
See Schedule of Fees for other charges that may be incurred.
ADDITIONAL DISCLOSURE INFORMATION
*The principal sum of 24-hour insurance coverage reduces 50% at age 70 and over. If joint account, coverage is divided equally among all account holders.
Statement Period: Monthly
*Message, data, and/or internet service provider rates may apply, as applicable
Express Checking
ACCOUNT BENEFITS
Unlimited Deposits – No Charge
Unlimited Electronic Transactions
Initial Debit Card is Free
No per item fee
Bill Pay*
Free Online Banking*
Free E-Statement (with Online Banking)*
Free Mobile Banking*
Free Mobile Deposit*
Free Express Phone Banking*
MINIMUM BALANCE REQUIREMENTS
Minimum Opening Deposit $100.00
FEES AND CHARGES
Monthly Service Charge $4.00
See Schedule of Fees for other charges that may be incurred.
ADDITIONAL DISCLOSURE INFORMATION
Statement Period: Monthly
The method of statement delivery on this account is an E-Statement.
Electronic Withdrawals Only – no paper items
Paper deposits are accepted.
*Message, data, and/or internet service provider rates may apply, as applicable.
Senior Checking
Available to Customers 62 and over
ACCOUNT BENEFITS
Initial Debit Card is Free
Bill Pay*
Unlimited Electronic Transactions
Unlimited Check Writing
Unlimited Deposits – No Charge
No per item fee
Free Online Banking*
Free E-Statement (with Online Banking)*
Free Mobile Banking*
Free Mobile Deposit*
Free Express Phone Banking*
MINIMUM BALANCE REQUIREMENTS
Minimum Opening Deposit $100.00
FEES AND CHARGES
No Monthly Service Charge
See Schedule of Fees for other charges that may be incurred.
ADDITIONAL DISCLOSURE INFORMATION
Statement Period: Monthly
Available to Customers 62 and over
Limited to one account per customer
*Message, data, and/or internet service provider rates may apply, as applicable.
Student Checking
Available to Full Time Students
ACCOUNT BENEFITS
Initial Debit Card is Free
Bill Pay*
Unlimited Electronic Transactions
Unlimited Deposits – No Charge
Unlimited Check Writing
No per item fee
Free Online Banking*
Free E-Statement (with Online Banking)*
Free Mobile Banking*
Free Mobile Deposit*
Free Express Phone Banking*
MINIMUM BALANCE REQUIREMENTS
Minimum Opening Deposit $100.00
FEES AND CHARGES
No Monthly Service Charge
See Schedule of Fees for other charges that may be incurred.
ADDITIONAL DISCLOSURE INFORMATION
Statement Period: Monthly
The method of statement delivery on this account is an E-Statement.
Available to Full Time Students
Limited to one account per customer
*Message, data, and/or internet service provider rates may apply, as applicable.
Interest Checking
ACCOUNT BENEFITS
Free Basic Wallet Style Logo Checks (1 box per order)
Free Notary Service
Initial Debit Card is Free
Bill Pay*
Unlimited Deposits – No Charge
Free Online Banking*
Free E-Statement (with Online Banking)*
Free Mobile Banking*
Free Mobile Deposit*
Free Express Phone Banking*
VARIABLE RATE INFORMATION
See the rate sheet for the interest rate and annual percentage yield on your account. Your interest rate and annual percentage yield may change. We use the market to determine interest rates. At our discretion, we may change the interest rate on your account. We may change the interest rate on your account at any time.
COMPOUNDING AND CREDITING
Interest will be compounded monthly. Interest will be credited to your account monthly.
If you close your account before interest is credited, you will not receive the accrued interest.
MINIMUM BALANCE REQUIREMENTS
Minimum Opening Deposit $1,500.00
Minimum Ledger Balance to Avoid Monthly Service Charge $1,500.00
BALANCE COMPUTATION METHOD
We use the Average Daily Balance Method to calculate the interest on your account. This method applies a daily periodic rate to the average daily balance in the account for the period. The average daily balance is calculated by adding the principal in the account for each day of the period and dividing that figure by the number of days in the period.
ACCRUAL ON NON-CASH DEPOSITS
Interest begins to accrue no later than the business day we receive credit for the deposit of noncash items (for example, checks).
FEES AND CHARGES
Monthly Service Charge
If your ledger balance falls below $1,500.00 during statement period $8.00
Paper Statement Fee
$2.00 – If your ledger balance falls below $1,500.00 during the statement period and delivered a paper periodic statement.
Per Check Fee
If the ledger balance falls below $1,000.00 the fee is $0.15 per check
See Schedule of Fees for other charges that may be incurred.
ADDITIONAL DISCLOSURE INFORMATION
Statement Period: Monthly
*Message, data, and/or internet service provider rates may apply, as applicable.
