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Checking Accounts

Regular Checking Account

You must deposit $100 to open this account. A minimum balance fee of $8 will be imposed every statement cycle if the balance falls below $600 any day of the cycle. No minimum balance charge is assessed if the account has three (3) or less withdrawals per statement cycle, excluding electronic fund withdrawals.

Business Checking Account

You must deposit $100 to open this account. A minimum balance fee of $15 will be imposed every statement cycle if the balance falls below $2,000 any day of the cycle. No minimum balance charge is assessed if the account has three (3) or less withdrawals per statement cycle, excluding electronic fund withdrawals.

Star Citizens Account

You must be at least 55 years of age to have this account. To open a Star Citizens account, you must deposit $1,000.00. A minimum balance charge fee of $8.00 will be imposed every statement cycle if the balance in the account falls below $1,000.00 any day of the cycle. No minimum balance charge is assessed if the account has three or less withdrawals per statement cycle, excluding electronic fund withdrawals. Account features include: free checks (bank stock), free travelers checks, 25% discount on safety deposit box as long as the account is open.

Rate Information: Your interest rate and annual percentage yield may change. We may change the interest rate on your account every week at our discretion. Interest will be compounded monthly and credited to your account every month.

NOW Account

To open a NOW Account, you must deposit $1,500. A minimum balance fee of $10 will be imposed every statement cycle if the balance falls below $1,500 any day of the cycle. 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. Interest begins to accrue on the business day you deposit non-cash items, such as checks. Interest will be compounded and credited to your account every month.

Rate Information: Your interest rate and annual percentage yield may change. We may change the interest rate on your account every week, at our discretion.

Super NOW Account

To open a SuperNOW Account, you must deposit $10,000. A minimum balance fee of $10 will be imposed every statement cycle if the balance falls below $10,000 any day of the cycle. 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. Interest begins to accrue on the business day you deposit non-cash items, such as checks. Interest will be compounded and credited to your account every month. A debit fee of $.25 will be charged for each debit in excess of twenty (20) during a month.

Rate Information: Your interest rate and annual percentage yield may change. We may change the interest rate on your account every week, at our discretion.

Senior Citizens Checking Account

Age requirement  -  You must be at least 62 years of age to have this account.
Minimum balance to open the account  - 
You  must deposit at least $300.00 to open this account.
Minimum balance to avoid imposition of fees  - 
A minimum balance charge fee of $8.00 will be imposed every statement cycle if the balance in the account falls below $300.00 any day of the cycle.  No minimum balance charge is assessed if the account has ten or less withdrawals per statement cycle.

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