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- Minimum Opening Balance: $100
- Monthly Maintenance Fee: None, if daily minimum balance is >$100. Otherwise, $4
- Activity Limited to two (2) withdrawals per month-additional withdrawals $4 each
- Statements provided quarterly
- Free*On-line banking . No Bill Pay access. *If on-line banking is inactive for more than 90 days, a $5.95 fee will be assessed for each month the on-line service is inactive
- No Check Card/ATM card issued on account
Interest is compounded daily, credited quarterly, and paid on collected balance -no tiers
- Must be under 18 years of age, Requires an adult custodian
- No minimum deposit required to open
- No minimum balance requirements
- No monthly maintenance fee
- Activity Limited to two (2) withdrawals per month-additional withdrawals $4 each
- Statements provided quarterly
- Free*On-line banking . No Bill Pay access. *If on-line banking is inactive for more than 90 days, a $5.95 fee will be assessed for each month the on-line service is inactive
- No Check Card/ATM card issued on account
- Converts to Personal Savings account the month following the minor’s 18th birthday
Interest is compounded daily, credited quarterly, and paid on collected balance -no tiers
- Minimum Opening Balance: $1,000
- Monthly Maintenance Fee: None, if daily minimum balance is >$1,000 or $2,500 average collected balance. Otherwise, $10
- Transaction limitations apply. 6 withdrawals per statement cycle, only three(3) of which may be by Check to a third party. If debit limits are over 6, fee: $10 . If account continuously exceeds the debit transaction limit, bank may be required to close the account and transfer to another type of account that allows more transactions per cycle
- No minimum balance required to earn interest
- No Check Card issued on account
- Free*On-line banking. No Bill Pay access. *If on-line banking is inactive for more than 90 days, a $5.95 fee will be assessed for each month the on-line service is inactive
Interest is compounded daily, credited monthly and paid on the collected balance.
Tiered interest rates based on account balances are subject to change without notice.
$0 -$9,999
$10,000 - $24,999
$25,000 - $49,999
$50,000 - $99,999
$100,000 and over
| Other Personal Banking Services |
- This service provides a line of credit attached to your personal checking account
(* subject to credit approval). Funds will be transferred from the line of credit to your account in $100 increments when checks or electronic debits are presented on your account against insufficient funds. This protection saves you the embarrassment of a returned check and numerous assessed charges (insufficient fund fees from the bank and costly return check fees from the merchant). You will receive a monthly statement disclosing the outstanding balance and the required minimum payment. The required minimum payment is calculated on the outstanding line of credit balance from the date the transfer occurs.
- Overdraft transfer fee $5
- Competitive Interest Rates
The minimum daily collected balance referenced in this schedule is the current daily ledger balance less the amount of any checks deposited that are in the process of being collected. The average monthly collected balance is calculated by adding the collected balance for each day of the statement period and dividing that figure by the number of days in the statement period.
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