Checking Accounts

Checking Accounts special

Business Checking Accounts (Effective February 1, 2005)
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Small Business Checking Account
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Monthly maintenance fee: N/A.
Activity charges: There are no activity fees for the first 200 items each month on the account (checks/ACH debits/debit transfers posted, deposits made, and transit checks deposited). After the first 200 free items each month, there is a $.25 per item fee for each additional item.
Credit to off-set charges: N/A .

Business Checking Account
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Monthly maintenance fee: $6.00.
Activity charges: $.20 per check, $.10 per ACH debit, $.10 per debit transfer, $.25 per deposit, $.08 per transit check deposited.
Credit to off-set charges: $.15 per $100.00 average "collected" balance for the statement cycle.
Images of your checks are returned monthly at no extra charge.

N.O.W. Checking Account
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Variable interest.
Monthly maintenance fee: $5.25 if minimum balance falls below $525.00 during the statement cycle.
Activity charges: first 25 checks/debits free, then $.25 per check/debit paid in excess of 25 per statement cycle regardless of balance.
No interest for any day balance falls below $525.00.
Eligible Businesses/Organizations: farm, sole proprietorship, governmental entity. Not available to partnerships, LLC's, or corporations.
Images of your checks are returned monthly at no extra charge.

Super N.O.W. Checking Account
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Variable interest.
Monthly maintenance fee: $5.25 if average balance falls below $2,000.00 during the statement cycle.
Activity charges: first 25 checks/debits free then $.25 per check/debit paid in excess of 25 per statement cycle regardless of balance.
Interest reduced to N.O.W rate for any day balance falls below $2,500.00.
No interest for any day balance falls below $525.00.
Eligible Businesses/Organizations: farm, sole proprietorship, governmental entity. Not available to partnerships, LLC's, or corporations.
Images of your checks are returned monthly at no extra charge.

Platinum Account
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Variable interest.
Monthly maintenance fee: $10.00 if average balance falls below $2,000.00 during the statement cycle.
Interest reduced to N.O.W. rate for any day balance falls below $2,500.00.
No interest for any day balance falls below $525.00.
Images of your checks are returned monthly at no extra charge.

Personal Checking Accounts (Effective May 1, 2004)
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SIMPLY FREE Checking
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Monthly maintenance fee: -0-
Activity charges: -0-

Sensible Checking
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Monthly maintenance fee: $4.00
Activity charges: $.25 per check/debit
Service charge: waived if a minimum balance of $300.00 is maintained for the entire statement cycle.
Service charge: waived for customers 55 years of age or older regardless of minimum balance.
Service charge: waived for full-time college students regardless of minimum balance.
Images of your checks are returned monthly at no extra charge.

N.O.W. Checking Account
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Variable interest.
Monthly maintenance fee: $5.25 if minimum balance falls below $525.00 during the statement cycle.
Activity charges: first 25 checks/debits free, then $.25 per check/debit paid in excess of 25 per statement cycle regardless of balance.
No interest for any day balance falls below $525.00.
Images of your checks are returned monthly at no extra charge.

Super N.O.W. Checking Account
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Variable interest.
Monthly maintenance fee: $5.25 if average balance falls below $2,000.00 during the statement cycle.
Activity charges: first 25 checks/debits free then $.25 per check/debit paid in excess of 25 per statement cycle regardless of balance.
Interest reduced to N.O.W rate for any day balance falls below $2,500.00.
No interest for any day balance falls below $525.00.
Images of your checks are returned monthly at no extra charge.

The minimum to open a checking account is $50.00