Minimum balance to open – The minimum balance required to open this account is $100.

Minimum balance to avoid service charge – If balance drops below $100 during the statement cycle, the service charge is $2.50 plus $0.15 per check for the entire statement cycle. There is no service charge for anyone under 24 years of age or 65 years of age or older.

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

Additional terms – A minimum of $100 deposit is required to order checks and/or debit cards.

Sign up for E-Statements and receive the first box of wallet (custom style) checks free.

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.