Personal Checking
Account Benefits
- Personal banking services - you will be assigned your own personal banker, who will help you with all of your banking needs, at the location that is most convenient for you.
- eStatements - for a faster, more secure, and convenient way to receive your banking statements and disclosures online, enroll in eStatements.
- 65 years and older - waived service charge for paper statements. Specialty checks are available; you pay the shipping cost.
- Direct deposit and bill pay - enjoy the convenience of direct deposit and automatic bill pay. We can fill out the paperwork for you.
Additional Services
- No annual fee on your Advantage ATM & Checkcard
- bankOnline featuring Online Banking, Mobile Banking, eAlerts (text and email alerts), and eStatements
- Free Telephone Banking services
- Automatic transfers to savings or a consumer loan payment
- Overdraft Line of Credit (First Reserve) is available if qualifications are met
Rate Information
This account does not earn interest.
Minimum Balance Requirements
You must deposit $100.00 to open this account.
Fees and Charges
A service charge of $3.00 will be imposed every month. This service charge will be waived if you elect to receive eStatements.*
The following fees and charges may be assessed against your account:
NSF Return Fee or NSF Paid Fee** | $30.00 per item |
Per Day Maximum | $150.00 |
Overdraft Charge (Recurring)** | $30.00 each seven consecutive days |
Stop Pay Charge | $30.00 per request |
Returned Item Fee | $3.00 per item |
Re-deposit of Returned Item Fee | $1.00 per item |
Dormant Account Fee | $5.00 per month |
Returned Mail Fee | $5.00 per month |
Check Copy Fee | $3.00 per copy |
Deposited Item Copy Fee | $3.00 per copy |
Wire Transfer Fee | $20.00 |
International Wire Transfer Fee | $50.00 |
Collection Fee | $20.00 per item |
Canadian Check Processing Fee | $10.00 per check + exchange fee |
Cost for check printing varies depending on the style of checks ordered.
**This fee applies to overdrafts created by check, in person withdrawal, ATM withdrawal, or other electronic means.
NOTE: We may report other information about your account to consumer reporting agencies. Late payments, missed payments, or other defaults on your account may be reflected in your consumer report.
