Free Checking Account
| The Free Checking Account is a low cost, no frills checking account for individuals. There is no minimum balance to avoid service charges, and there are no per-check fees assessed against the account. | |
Minimum Opening Balance | $100.00 |
Monthly Service Charge | FREE |
Excess Item Charge | Unlimited Items |
Interest Paid | No |
Interest Tiers | None |
SHAZAMCHEK Card: | Optional |
Initial Card Fee | $7.50 |
Monthly Card Fee (15th of each month) | $1.25 through 11/30/2011 $1.50 beginning 12/1/2011 |
All SHAZAM Activity | FREE |
Non-SHAZAM Inquiry/Transfer/ Withdrawal | $1.00 each over 5 per month |
Optional Check Images with Statement | $4.00 per cycle |
Optional Check Image Binder | $10.00 each |
Overdraft/NSF Item Charge | $22.00 through 11/30/2011 $25.00 beginning 12/1/2011 |
First Cycle Fee Waived | N/A |
Available for Individuals | YES |
Available for corporations and small business | NO |
YES | |
Account Benefits - All accounts include the following benefits with no additional fees or charges
- Account Balance inquires
- Automatic Loan payment
- Bank by Mail
- Bill Pay
- Cash Savings Bonds
- Check Cashing
- Coin Counting
- Combined accounts on one monthly statement
- Dial-A-Bank
- Direct Deposit
- eStatements
- Identity Theft 911
- Incoming Wires
- Night Depository
- Notary Service
- Online Banking
- Telephone Transfers
Important Information About Procedures for Opening a New Account
To help the government fight the funding of terrorism and money laundering activities, Federal Law requires all financial institutions to obtain, verify, and record information that identifies each person who opens an account. What this means for you: When you open an account, we may ask for your name, address, date of birth, and other information that will allow us to identify you. We may also ask to see your driver's license or other identifying documents.
