A basic checking account with highly competitive terms. A service charge of $5.00 is assessed if your average monthly balance is less than $300.00. There is no per check charge.

A personal checking plan that accomodates a customer's payment transaction needs.

Features and Benefits

• No service charge for average monthly balance of $300.00
  • No service charge for students and senior citizens
  • Students - 18 years or younger or attending college as a full time student
• Seniors - 65 years or older
• Available to individuals, estates, guardianships
• Overdraft protection available to qualified individuals
• Accessible with your Visa Checkcard
• Prefer $50 opening deposit, however, discretion is used if there is a justifiable reason to open for less
• Individual or joint ownership of account
• Unlimited check writing privileges
• Statements are mailed monthly with images of checks
• FDIC insured up to $100,000 per account holder
• Customer may choose from a variety of personalized check styles
  • First set of checks (200 quantity) free
  • Wallet style safety paper paid for by the bank
  • $5.00 credit for any other style
• Interest is compounded on average daily balance
• Ability to choose type of account from several options
• Ability to keep track of expenditures and have receipts for tax purposes
• Direct Deposit available through Automated Clearing House (ACH)
• Your loan at our Bank can be debited from your checking account to reduce rate on loan by a quarter percent
• Money is safe and secure
• Transfers between checking or savings accounts at our Bank can be done automatically
• Access to money 24 hours a day - each day with a Visa Checkcard
• Free, unlimited check writing privileges (no per check charge)
• Access to Account information through FOX 2400 PHONE TELLER Service
• Convenience of 4 full service branch locations

Charges/Fees

• If average monthly balance falls below $300.00, a fee of $5.00 per month will be deducted from account
• Check orders range from $9.21 - $73.57 (desk books). Some customers order 3-to-a-page books (first order free with limitations)
• $4.00 per statement cycle (monthly service charge) if account is dormant for 3 years

NOTE: Dormant accounts can be re-activated by a deposit or withdrawal. While students and seniors are exempt from service charges, they will not be exempt from the dormant service charge.