Consumer Checking
We offer many different checking accounts geared towards a variety of needs. All checking account holders are entitled to apply for a either a VISA Debit Card or a PULSE/ATM card and can access account information via Bank-By-Phone or Online Banking. No matter what you are looking for, we are sure there is one that is perfect for you!

Free Checking
This basic checking account is perfect for the individual that writes many checks but maintains a low balance. The features are as follows:

• Account may be opened with a deposit of $25.00 or more.
• The first box of safety checks is provided at no cost.
• There is no monthly service charge or per check fee.
• A line-item statement of activities is provided monthly.
• No interest is paid on this account.
• There is no charge for transactions at ATMs our bank owns and operates. Off premises transactions are $1.50 per transaction.

Individual Checking
This checking account is designed for individuals that keep at least $600 in their account. The features are as follows:

• Account may be opened with a deposit of $25.00 or more.
• There is no monthly service charge or per check/debit fee as long as a Minimum Daily Balance (MDB) of at least $600 is maintained every day of the statement cycle.
• If the MDB falls below $600 on any day of the statement cycle, the monthly service charge will vary between $7-$10 depending on the lowest balance in the account during the statement cycle.
• If the MDB falls below $600 on any day of the statement cycle, the first 30 checks/debits per statement cycle are free. Additional check/debits are $0.30 each.
• There is no charge for transactions at ATMs our bank owns and operates. Off premises transactions are $1.50 per transaction.
• An imaged statement of activities is provided monthly.

Senior Citizen Checking (Age 62)
This checking account is availble to individuals aged 62 or over. The features are as follows:

• Account may be opened with a deposit of $25.00 or more.
• There is no monthly maintenance fee.
• Unlimited checks/debits per cycle.
• To obtain Senior Citizen status at age 62 after account is opened, customer must notify the bank in order to have fees waived.
• There is no charge for transactions at ATMs our bank owns and operates. Off premises transactions are $1.50 per transaction.
• An imaged statement of activities is provided monthly.

NOW Checking
The features are as follows:

• Designed for individuals that keep over $1,500 in their account and want to earn interest on their balance.
• Account may be opened with a deposit of $200.00 or more.
• There is no monthly maintenance fee if the minimum balance requirement is met. The minimum balance requirement is $1,500.
• The first 30 checks/debits per cycle are free, $0.30 each thereafter.
• If the minimum balance requirement is not met, a monthly Maintenance Fee of $10 applies.
• There is no charge for transactions at ATMs our bank owns and operates. Off premises transactions are $1.50 per transaction.
• This is an interest-bearing account.
• An imaged statement of activities is provided monthly.

Advantage NOW Checking
Advantage Banking is a great package of financial services which combines Advantage NOW Checking, an interest-bearing checking account with no minimum balance and no fee, with the Advantage Money Market Savings Account! With Advantage Banking, when you open an Advantage Money Market Savings Account for $10,000 or more, you could enjoy the benefits of the following services:

• Advantage NOW Checking account may be opened with a deposit of $100 or more.
• There is no basic monthly fee or check-writing fee, regardless of the minimum or average balance, as long as a minimum balance of $10,000 or more is kept in the Advantage Money Market Savings Account.
• There is unlimited check writing on this account and the initial order of personalized checks is provided at no charge.
• This special complimentary Advantage NOW Checking Account is available only to personal Advantage Money Market Savings Accountholders. Business Advantage Money Market Accounts do not qualify.
• You may request one combined statement for the linked Advantage Money Market Savings and the Advantage NOW Checking Accounts.
• There is no charge for transactions at ATMs our bank owns and operates. Off premises transactions are $1.50 per transaction.
• This is an interest-bearing account.
• An imaged statement of activities is provided monthly.