Personal Banking

Personal Banking Services

CHOICE REWARDS CHECKING ACCOUNT

Minimum Deposit to Open the Account - You must deposit $100.00 to open this account

Fees - $8.00 per statement cycle

•  Service Charge Buy-down Options: (options buy-down service charge by $2.00 each for maximum buy-down of $8.00)
•  Receive directs deposits that total at least $500.00/ monthly statement cycle
• Use debit card 35 times during the monthly statement cycle 
• Use eStatement delivery
• Use online bill payment at least three times per monthly statement cycle
• Be 65 or older - Senior Benefit for customers 65 and older - First box of wallet blue checks is free, receive a 20% discount on 3x5 safe deposit box rental and paper statement fee is waived

• FEATURES:
• No Minimum Balance required
• Number of transactions - unlimited
• ATM/Debit Card - provided
• eStatements - provided
• Online Banking and/or Mobile Banking - required to receive eStatements
• Online Bill Payment - provided
• Cash back on aggregate signature-based debit card purchases  - .25% ($.25/$100.00).  Cash back is credited at the end of the monthly statement cycle.  See definition below

Mail Delivery of Paper Statement - $4.00 per statement

Senior Benefit - For customers 65 and older - First order of wallet blue checks is free, 20% discount on 3x5 safe deposit box rental and the paper statement fee is waived

If the bill payment program is not used within a consecutive three-month period, the program will be deactivated, resulting in a loss of history and payee information.

Direct deposits must post and clear the account during the monthly statement cycle to qualify. 

Bill payment debits must post and clear the account during the monthly statement cycle to qualify.

Debit card transactions will be counted on the date the transactions post and clear the account, and not necessarily the date on which you conduct the transactions.

In order to accept and receive electronic delivery of statements, you must have access to a computer or other device with Internet connectivity, sufficient storage space and an Internet browser capable of 128-bit encryption, software that enables you to view files in the Portable Document Format ("PDF"), and a valid email address.  You should notify the Bank if you become unable to meet the above hardware and software requirements.

Delivery Methods of Receiving Your Periodic Statements - Only one delivery method per account is possible.  Enroll in eStatements by clicking the eStatement tab within Net Teller Internet Banking and completing the enrollment process.  Please contact the Bank if you have trouble enrolling.

Signature-Based Transactions - Select Credit instead of Debit, sign a receipt instead of using your PIN or validate with your zip code instead of using your PIN.

E CHECKING ACCOUNT

Minimum Deposit to Open the Account - You must deposit $100.00 to open this account

Fees - $8.00 monthly service charge

Service Charge Buy-down Options: (If all 3 of the buy-down options listed below are met, no monthly service charge will be imposed):

• Receive direct deposits that total at least $500.00 per statement cycle (the direct deposits must post and clear the account during the monthly statement cycle to qualify)
• Use ATM/Debit card 35 times (as a signature-based transaction) during the statement cycle (transactions will be counted on the date the transactions post and clear the account, and not necessarily the date on which you conduct the transaction)
• Receive eStatements

Paper Items (debits or credits) - $.25/each for every item over 3 per statement cycle

• FEATURES:
• No Minimum Balance Required
• Number of Electronic Transactions - unlimited
• ATM/Debit Card - provided
• eStatements - required
• Online Banking and/or Mobile Banking - required to receive eStatements
• Direct Deposit - required (minimum $500/statement cycle)

In order to accept and receive electronic delivery, you must have access to a computer or other device with Internet connectivity, sufficient storage space, and an Internet browser capable of 128-bit encryption, software that enables you to view files in the Portable Document Format ("PDF"), and a valid email address.  You should notify the Bank if you become unable to meet the above hardware and software requirements.

To Enroll in eStatements - Enroll in eStatements by clicking the eStatement Tab within NetTeller Internet Banking and completing the enrollment process.  Please contact the Bank if you have trouble enrolling.

INTEREST CHECKING

Minimum Deposit to Open the Account - You must deposit $100.00 to open this acount

Minimum Balance to Avoid Imposition of Fees - A service charge of $8.00 will be imposed every statement cycle if the balance in the account falls below $1,000.00 any day of the statement cycle

• FEATURES:
• Earns Interest
• Number of Transactions - unlimited
• ATM/Debit Card - provided
• eStatements - provided
• Online Banking and/or Mobile Banking - required to receive eStatements
• Online Bill Payment - provided

Senior Benefit - For customers 65 and older - First box of wallet blue checks is free, receive a 20% discount on 3x5 safe deposit box rental, and paper statement fee is waived

Mail Delivery of Paper Statements - $4.00 per statement

Delivery Methods of Receiving Your Periodic Statements - Only one delivery method per account is possible.  Enroll in eStatements by clicking the eStatement Tab within NetTeller Internet Banking and completing the enrollment process. Please contact the Bank if you have trouble enrolling.

In order to accept and receive electronic delivery, you must have access to a computer or other device with Internet connectivity, sufficient storage space, and an Internet browser capable of 128-bit encryption, software that enables you to view files in the Portable Document Format ("PDF"), and a valid email address. You should notify the Bank if you become unable to meet the above hardware and software requirements.

If the bill payment program is not used within a consecutive three-month period, the program will be deactivated, resulting in a loss of history and payee information.

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

Frequency of Rate Changes - We may change the interest rate on your account every month.

Determination of Rate - At our discretion, we may change the interest rate on your account.

Compounding and Crediting Frequency - Interest will not be compounded. Interest will be credited to your account every month.

Accrual of Interest on Noncash Deposits - Interest begins to accrue on the business day you deposit noncash items (for example, checks).

Effect of Closing an Account - If you close your account before interest is credited, you will not receive the accrued interest.

SIMPLE CHECKING

Minimum Deposit to Open the Account - You must deposit $100.00 to open this account

Fees: $5.00 per statement cycle 

•  FEATURES:
• No Minimum Balance required
• Number of transactions - unlimited
• ATM/Debit Card - provided. eStatements - provided
• Online Banking and/or Mobile Banking - required to receive eStatements
• Mail delivery of paper statement - $4.00 per statement

Senior Benefit: for customers 65 and older - First Box of wallet blue checks is free, receive a 20% discount on a 3x5 safe deposit box rental, and paper statement fee is waived

In order to accept and receive electronic delivery, you must have access to a computer or other device with Internet connectivity, sufficient storage space, and an Internet browser capable of 128-bit encryption, software that enables you to view files in the Portable Document Format ("PDF"), and a valid email address. You should notify the Bank if you become unable to meet the above hardware and software requirements.

Delivery Method of Receiving Your Periodic Statements -  Only one statement delivery method per account is possible.  Enroll in eStatements by clicking the eStatement Tab within NetTeller Internet Banking and completing the process.  Please contact the Bank if you have trouble enrolling.

MONEY MARKET DEPOSIT ACCOUNT

Minimum Deposit to Open the Account - You must deposit $2,500.00 to open this account

Minimum Balance to Avoid Imposition of Fees - To avoid the imposition of the service charge you must meet the following requirements:  A service charge of $5.00 will be imposed every statement cycle if the average daily balance for the statement cycle falls below $500.00.  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.  The period we use is the statement cycle.

Fees - A per item fee of $5.00 will be charged for each debit in excess of 3 during a statement cycle

Statements - Descriptive statements will be furnished on a monthly basis on the date interest is paid. The actual checks, deposits and withdrawals WILL NOT be returned in the statement

Rate Information - Your interest rate and annual percentage yield may change.

Frequency of Rate Changes - We may change the interest rate on your account every month.

Determination of Rate - At our discretion, we may change the interest rate on your account.

Compounding and Crediting Frequency - Interest will not be compounded. Interest will be credited to your account every month.

Effect of Closing an Account - If you close your account before interest is credited, you will not receive the accrued interest.

Accrual of Interest on Noncash Deposits - Interest begins to accrue on the business day you deposit noncash items (for example, checks).

REGULAR SAVINGS ACCOUNT

Minimum Deposit to Open the Account - You must deposit $100.00 to open this account

Minimum Balance to Avoid Imposition of Fees - A service charge of $5.00 will be imposed every statement cycle if the balance in the account falls below $250.00 any day of the statement cycle.

Fees - An excessive withdrawal fee of $1.00 will be charged for each withdrawal in excess of three during a quarter. A fee of $10.00 will be charged for any savings account closed within six months of opening.

Rate Information - Your interest rate and annual percentage yield may change.

Frequency of Rate Changes - We may change the interest rate on your account at any time.

Determination of Rate - At our discretion, we may change the interest rate on your account.

Compounding and Crediting Frequency - Interest will not be compounded. Interest will be credited to your account every quarter.

Effect of Closing an Account - If you close your account before interest is credited, you will not receive the accrued interest.

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

Accrual of Interest on Noncash Deposits - Interest begins to accrue on the business day you deposit noncash items (for example, checks).

MINOR SAVINGS ACCOUNT

Minimum Deposit to Open the Account - You must deposit $25.00 to open this account

Minimum Balance to Avoid Imposition of Fees - A service charge of $3.00 will be imposed every statement cycle if the balance in the account falls below $25.00 any day of the statement cycle.

Fees - An excessive withdrawal fee of $1.00 will be charged for each withdrawal in excess of three during a quarter.  A fee of $10.00 will be charged for any savings account closed within six months of opening.

Rate Information - Your interest rate and annual percentage yield may change.

Frequency of Rate Changes - We may change the interest rate on your account at any time.

Determination of Rate - At our discretion, we may change the interest rate on your account.

Compounding and Crediting Frequency - Interest will not be compounded. Interest will be credited to your account every quarter.

Effect of Closing an Account - If you close your account before interest is credited, you will not receive the accrued interest.

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

Accrual of Interest on Noncash Deposits - Interest begins to accrue on the business day you deposit noncash items (for example, checks).