Consumer Checking Comparison
| Electronic | Free | Regular | NOW | Premier | |
| Minimum Opening Balance | $0.00 | $100.00 | $100.00 | $100.00 | $100.00 |
| Daily Minimum Balance Required to Waive Service Charge | Not Applicable | Not Applicable | $500.00 | $750.00 or Combined Deposit Account Balance of $10,000.00 | $3,000.00 |
| Monthly Service Charge | $5.00 | FREE | $7.50 | $10.00 | $9.00 |
| Fees Waived For: | Not Applicable | Not Applicable |
| Not Applicable | Not Applicable |
| Excess Item Charge | $5.00 per non-electronic item over 0 | Unlimited Items | $0.20 per debit in excess of 35 in a statement cycle | $0.20 per debit in excess of 35 in a statement cycle | NONE |
| Interest Paid | No | No | No | Yes | Yes |
| Interest Tiers | None | None | None | Yes | Yes |
| SHAZAMChek Card | |||||
| Initial Card Fee | FREE | $7.50 | $7.50 | $7.50 | FREE |
| Monthly Card Fee through 11/30/2011 | FREE | $1.25 | $1.25 | $1.25 | $1.25 |
| Monthly Card Fee beginning 12/1/2011 | FREE | $1.50 | $1.50 | $1.50 | $1.50 |
| All SHAZAM Activity | FREE | FREE | FREE | FREE | FREE |
| Non-SHAZAM Inquiry/Transfer/Withdrawal | $1.00 each over 5 per month | ||||
| Check Images with Statement | Not Available | Optional - $4.00 per cycle | FREE | FREE | FREE |
| Optional Check Image Binder | Not Available | $10.00 each | First Binder free | ||
| Overdraft/NSF Item Charge through 11/30/2011 | $22.00 | $22.00 | $22.00 | $22.00 | $22.00 |
| Overdraft/NSF Item Charge beginning 12/1/2011 | $24.00 | $25.00 | $24.00 | $24.00 | $24.00 |
| First Cycle Fee Waived | YES | Not Applicable | YES | YES | YES |
| Available for Individuals | YES | YES | YES | YES | YES |
| Available for Corporations and Small Businesses | NO | NO | NO | NO | NO |
| Overdraft Defender(sm) Protection Available | NO | YES | YES | YES | 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.
