Minimum balance to open – The minimum balance required to open this account is $500.

Minimum balance to avoid service charge – If your balance falls below $500 on any day in the statement cycle, your account will be subject to a $10 service charge for that statement cycle. No minimum balance fee will be charged if you choose to receive you statements by email.

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:

  • Check writing fee: $0.25 charge for each check written over 50 checks per statement cycle.
  • Deposit fee: $0.10 charge for each deposited item over 50 deposited items per statement cycle.

Additional terms – A minimum of $50 is required to order checks and/or debit cards.

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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