Minimum balance to open – The minimum balance required to open this account is $50.00.

Minimum balance to avoid Minimum Balance Fee – If daily balance drops below $50.00 during the statement cycle a $3.00 minimum balance fee will be charged. There is no minimum balance fee for anyone under the age of 24 or over 65.

Deposit limitations – You may make an unlimited number of deposits into your account.

Fees and Charges – The following fees and charges apply to this account

  • Paper Statement Fee: $3.00

Additional Terms – The following additional terms apply to this account: Sign up for E-statements to avoid the $3.00 paper statement fee. Minimum balance fee or paper statement fee reduced by $3.00 if this account receives one ACH credit during the statement cycle. This account will close upon zero balance.

Additional Benefits offered through BaZing:

  • Cell phone protection
  • ID theft aid
  • Buyer’s Protection and Extended Warranty
  • (Additional information available at

We discourage establishing an account that requires two (2) or more signatures on any items drawn on the Account. You acknowledge that such a provision of requiring two signatures is solely for your personal or internal control purposes. You shall indemnify and hold us harmless for losses due to paying any item bearing at least one authorized signature.

This account consists of a checking sub-account and a savings sub-account. The bank may periodically transfer funds between these two sub-accounts. On a sixth transfer during a calendar month, any funds in the savings sub-account will be transferred back to the checking sub-account. If your account is a plan on which interest is paid, your interest calculation will remain the same. Otherwise, the savings sub-account will be non-interest bearing. The savings sub-account will be governed by the rules governing our other savings accounts. This process will not affect your available balance, the interest you may earn, FDIC insurance protection, or your monthly statement.

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