Checking Accounts

Easy Checking

Ideal for customers who like to maintain a low balance, write a limited number of checks and do most of their banking with a debit card.

  • $100 to open an account
  • No minimum balance requirement
  • No monthly service charge
  • Write 10 checks/paper debits per monthly statement at no charge, then only 33¢ each
  • Unlimited electronic transactions (ACH, ATM, POS)
  • Free electronic statement
  • Paper statement available $2.25 per month
  • Free debit card
  • Free online banking
  • Free mobile banking
  • Free bill pay

Classic Checking

This account offers a blend of new technology and classic banking features for those who write an average number of checks.

  • $100 to open an account
  • $8 monthly service charge is waived with $1,500 average daily balance
  • Write 50 checks/paper debits per monthly statement at no charge, then only 23¢ each
  • Unlimited electronic transactions (ACH, ATM, POS)
  • Free electronic statement
  • Paper statement available $2.25 per month
  • Free debit card
  • Free online banking
  • Free mobile banking
  • Free Bill Pay

Platinum Checking

Designed for valued customers who want the simplicity of a consistent service charge and enjoy extra benefits.

  • $100 to open an account
  • No minimum balance requirement
  • $7 monthly service charge – electronic statement
  • $9 monthly service charge – paper statement
  • Unlimited electronic transactions (ACH, ATM, POS)
  • Unlimited check writing
  • Free personalized checks – see TIS Disclosure for more information
  • Free Safe Deposit Box – 3 x 3 size or discount on other sizes
  • Free debit card
  • Free online banking
  • Free mobile banking
  • Free bill pay

CommonCents Checking

Finally…some Common Cents! This account is for customers who like the ease of using a debit card or
want to keep a larger balance available in their checking account while earning a great rate of interest.

Common Cents Checking pays 10¢ each swipe after the first 15 POS debits up to $15.00 per statement cycle. Swipe and save…it’s convenience that pays!

What? It makes Common Cents to refund ATM fees, too? OK, how about this: ATM fees will be reimbursed up
to $10.00 each statement cycle.

Plus, each day the account balance is $10,000.00 or more and two easy qualifications are met, interest is earned on the entire balance! How’s that for Common Cents….a smarter way to bank!

$100.00 Minimum Deposit to open an account

Qualifying is so easy, most accountholders already do these during each monthly statement*:

  • Have at least 15 debit card purchases (POS) post and clear per statement
  • Have at least 1 ACH Direct Deposit or automatic payment post and clear per statement

Once qualified, enjoy these Common Cents benefits :

  • ATM fee reimbursements up to $10.00 each statement cycle**
  • Earn 10¢ each swipe after the first 15 POS debits up to $15.00 per statement cycle
  • Interest will be earned when the blance is in excess of $10,000
  • Unlimited electronic transactions (ACH, ATM, POS)
  • Unlimited check writing

Additional services available with our deposit products:

  • Debit Card
  • Mobile Banking
  • Online Banking & Bill Pay

Available to personal consumer accounts only; one per Social Security Number

Free Electronic Statement
Paper Statements Available – $2.25 per month

*Qualifying transactions must post and clear the account each statement cycle. Transactions may take
one or more business days from the transaction date to post to an account from the date the transaction
is made. Only debit card transactions processed by merchants and received by the bank as POS transactions
count towards qualifying debt card transactions. Intra‐bank transfers do not count as qualifying ACH
transactions. Debit card transactions processed by merchants and received by the bank as ATM transactions
do not count towards qualifying debit card transactions.

**ATM Fee reimbursements up to $4.99 per transaction not to exceed $10.00 per statement cycle if qualifications are met.

Interest Rates may change after account opening and fees may reduce earnings.

Prosperity Checking

Life gets better with age…and so does banking! Enjoy the ease and comfort of everyday banking with added benefits to meet your financial needs. It is easy to qualify! If you have at least one direct deposit per month, are age 60 and older and appreciate the option of a monthly paper statement at no charge, check out our Prosperity Checking account.

$100.00 Minimum Deposit to open an account

  • No minimum balance requirement
  • No monthly service charge
  • Unlimited check writing
  • Unlimited electronic transactions (ACH, ATM, POS)
  • Free – choice of electronic or paper statement
  • Free personalized Custom Creation wallet or duplicate checks – limit two (2) orders per year
  • Free Debit Card
  • Free Online Banking & Bill Pay
  • Free Mobile Banking
  • Requires one Direct Deposit per month

Consumer accounts only – no sole-proprietorships. One account per social security number.

Interest NOW Checking

This is interesting…you earn a competitive interest rate while enjoying unlimited check writing with our Interest NOW Checking. Keeping a moderate balance allows the maintenance fee each statement cycle to be waived. Individuals, Sole Proprietorships*, Non-Profit Organizations and governmental agencies all qualify for a NOW account. Sound interesting? Let’s open your account now!

$100.00 Minimum Deposit to open an account

$8.00 Maintenance Fee per statement cycle is waived with minimum average daily balance of $2,500.00

  • Unlimited Checks per statement cycle
  • Unlimited POS or electronic transactions
  • Free Debit Cards
  • Free Online Statements
  • Free Online Banking
  • Free Mobile Banking
  • Free Online Statements
  • Free Bill Pay

Paper Statement Available: $2.25 per cycle

Money Market

Some customers seek an interest bearing account with few transactions. This account goes one step further by providing interest rate tiers which reward increased savings. Or, sometimes they simply need a place to put additional funds for a time period and our MMDA allows them to increase their earnings as their balance increases.

Like all MDDA’s, this account is limited by law to no more than 6 checks / debits per statement cycle. However, “in person” withdrawals, transfers or ATM transactions are unlimited!

  • $1,500.00 Minimum Deposit to open an account
  • $15.00 Maintenance Fee per statement cycle is waived with average daily balance of $3500.00

Reg D Limitations: 6 checks/debits per month allowed by law. If a customer exceeds the allowable number of transactions three times within a 12 month rolling period their account will be converted to a demand deposit (non interest bearing) account that does not have transaction restrictions.

Money Market Account Benefits:

  • Free Paper Statement or Electronic Statement
  • Free Special MMDA Personalized Checks
  • Free Fax service

Additional Benefits:

  • Free Online Banking
  • Free Bill Pay
  • Free Mobile Banking