Secure Online Banking

Personal Checking Accounts

Simply Checking

A simple checking account with no minimum balance requirements and unlimited transaction usage

  • No monthly service charge
  • No minimum balance requirements
  • Unlimited check writing
  • Bounce Protection available up to $300 with qualification
  • Free electronic statements (e-Docs)* or $3 per paper statement; No charge for customers age 62 and older
  • Add a Value Pack for $5 per month

*To avoid a $3 monthly statement fee, sign up for e-Docs and get your statements for FREE!

High Performance Checking

A checking account for the next generation; Bank electronically to easily qualify for a premium interest rate and additional benefits with no minimum balance requirements

  • No monthly service charge
  • No minimum balance requirements
  • Requirements to earn premium interest
    • Receive free electronic statements and notices (e-Docs)*
    • Establish at least one monthly direct deposit or ACH credit/debit Must post and settle within the statement cycle
    • Complete at least 12 point-of-sale (non-ATM) debit card transactions Must post and settle within the statement cycle
  • Earn premium interest according to the following interest rate tiers:
    • $0.01 - $14,999.99
    • $15,000.00 and above
      If requirements are not met, a default rate will apply
  • No Bank of Advance fee for ATM usage outside the SHAZAM® Privilege Status ATM Network
  • Receive up to a $6 refund on fees charged by other financial institutions for use of their ATM
  • 10 free checks/in-person transfers per statement cycle; $1 per each additional check/in-house transfer
  • Bounce Protection available up to $500 with qualification
  • No set-up fee for automatic transfers (sweep plan) from Checking or Savings to cover overdrafts

*Account holder is required to receive e-Docs in order to remain in this account type.  If not enrolled in e-Docs within 60 days, account will be converted to Simply Checking and a $3 paper statement fee will apply.

Premium Checking

A traditional tiered interest bearing checking account with unlimited transaction usage

  • Unlimited check writing
  • Minimum daily balance of $1,500 to avoid a $10 monthly service charge
  • Earn interest according to the following interest rate tiers:
    • $1,500.00 - $9,999.99
    • $10,000.00 - $49,999.99 
    • $50,000.00 and above
  • Bounce Protection available up to $1,000 with qualification
  • Free electronic statements (e-Docs) or paper statements with check images
  • Add a Value Pack for $5 per month

Relationship Checking

A tiered interest bearing checking account that rewards multiple bank relationships

  • Unlimited check writing
  • To avoid a $20 monthly service charge, account holder must maintain ONE of the following:
    • $25,000 or greater combined daily balance in checking, savings and MMDA deposit accounts
    • $2,500 or greater combined daily balance in checking, savings and MMDA deposit accounts and $50,000 in outstanding loan balances
    • $100,000 or more in certificates of deposit or IRAs
  • Earn interest according to the following interest rate tiers:
    • $10,000.00 - $49,999.99
    • $50,000.00 - $99,999.99
    • $100,000.00 and above
  • Bounce Protection available up to $1,000 with qualification
  • Free electronic statements (e-Docs) or paper statements with check images
  • $25 consumer loan origination discount
  • Earn up to a $6 refund on fees charged by other financial institutions for use of their ATMs
  • No set-up fee for automatic transfers (sweep plan) from Checking or Savings to cover overdrafts
  • Value Pack included at no cost

Money Market Account

A traditional higher yielding account with limited transaction usage

  • Minimum daily balance of $2,500 to avoid a $10 monthly service charge
  • Up to 6 free withdrawals per month; $5 per each additional withdrawal*
  • Earn interest according to the following interest rate tiers:
    • $2,500.00 - $9,999.99
    • $10,000.00 - $49,999.99
    • $50,000.00 and above
  • Free electronic statements (e-Docs) or paper statements with check images

*Transfers from your account to another account or to 3rd parties by preauthorized, automatic or telephone transfer are limited to six (6) per month or statement cycle. Abuse of this overage may result in account closing.

Please contact your local branch for current interest rates.

 

We reserve the right to at any time require not less than 7 days notice in writing before any withdrawal from an interest bearing account. 

Daily Balance Method.  We use the daily balance method to calculate interest.  This method applies a daily periodic rate to the principal in the account each day.  

Compounding and Crediting.  Interest will be compounded and credited to the account monthly on the statement date for interest bearing checking and Money Market accounts.  If the account is closed before the interest is credited, accrued interest will not be paid.

Accrual of Interest.  Interest begins to accrue on the first business day after the day any non-cash deposit is made.