Checkbook Calculator

Deposit

Products

Personal Accounts

Free Checking

  • No minimum balance required
  • No monthly service charge
  • No per check fee
  • Monthly Electronic statement
  • Minimum opening deposit is $100.00
  • Automatic Overdraft Privilege with approved credit
  • MasterCard® Checkcard with approval
  • Free Online Banking
  • Free Online check images
  • Free Online Banking statements

Normal banking service charges still apply.

Personal Checking

  • No minimum balance required
  • No per check fee
  • Monthly statement with imaged checks (front only)
  • Monthly fee of $5.00 (waived if minimum balance is $200.00 or senior citizens (65 and over)
  • Minimum opening deposit is $200.00
  • Automatic Overdraft Privilege with approved credit
  • MasterCard® Checkcard with approval
  • Free Online Banking
  • Free Online check images
  • Free Online Banking statements

Interest Checking - Now

  • No per check fee
  • Monthly statement with imaged checks (front only)
  • Interest paid on $500.00 or more of collected balance
  • Monthly fee of $8.00. Fee (waived if minimum balance is $500.00 for the current statement cycle)
  • Minimum opening deposit is $500.00
  • Automatic Overdraft Privilege with approved credit
  • MasterCard® Checkcard with approval
  • Free Online Banking
  • Free Online check images
  • Free Online Banking statements

Money Market Account

  • Limited check writing to 3rd parties – includes internet transfers
  • Unlimited in-office transactions
  • Monthly statement with imaged checks (front only)
  • Interest paid on $1,000.00 or more collected balance
  • Monthly fee of $6.00. Fee (waived if minimum balance is $2,500.00 for the current statement cycle)
  • Minimum opening deposit is $2,500.00

Minor Checking Account

• Must be 12-17 years of age with a parent/guardian on account
• No minimum balance required
• No monthly service charge
• No per check fee
• Monthly Electronic statement
• Minimum opening deposit is $25.00
• No overdraft on account
o If balance falls below minimum, sweep from parent/guardian’s account is required
• MasterCard Checkcard with approval
o ATM transactions are limited to $100.00 a day
o MasterCard Checkcard transactions will be limited to $250.00 a day
• Free Online Banking
• Free Online check images
• Free Online Banking statements

Business

Small Business & Sole Proprietorship Accounts

  • Unlimited number of deposits
  • Unlimited number of deposit items
  • First 200 checks written monthly are free, then .05 per check
  • $5.00 fee for chargeback of return deposited items
  • Monthly fee of $5.00 – Fee waived if minimum balance is $500.00 for the current statement cycle
  • Monthly statement with imaged checks (front only)
  • Minimum opening deposit is $500.00
  • Free MC@ Checkcard with approval
  • Free Online Banking
  • Free Online check images
  • Free Online Banking statements

Others

Statement Savings

  • Unlimited deposits
  • Quarterly statements (provided monthly with EFT or ACH activity)
  • Interest paid quarterly on collected balances
  • Unlimited in-office withdrawals to account holder
  • 6 automatic transfers per statement cycle of which 6 may be withdrawals to 3rd parties – includes internet transfers.
  • Monthly fee is $2.00 – Waived for minors (under 18) – Avoid fee with $200.00 minimum balance

IRA Retirement Accounts

  • No fees
  • Available for personal customer or business customer

Terms

  • 7-31 Day – $500.00 minimum – Penalty for early withdrawal may apply
  • 3 Month – $2,500.00 minimum – Penalty for early withdrawal may apply
  • 6 Month – $2,500.00 minimum – Penalty for early withdrawal may apply
  • 12, 18, 30 or 42 Month – $500.00 minimum – Penalty for early withdrawal may apply

36 Month Progressive Certificate

  • $1,000.00 minimum – Penalty for early withdrawal is 6 months simple interest whether earned or not – After 18 months, the option is available to convert to the current market rate for the remaining term – “Add To” option every 9 months until maturity – Minimum “Add To” amount is $100.00 – 7 calendar grace days

Jumbo Certificate

  • Terms Negotiable – Contact our Office