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Checking

Flat Fee Checking

  • FREE Online Banking / Billpay

  • Unlimited check writing

  • $7.00 Monthly Maintenance Fee

  • $100.00 minimum to open account

Open a Flat Fee Checking Account

T-Cash Checking

  • FREE Online Banking / Billpay

  • FREE checks and check reorders

  • No service charge

  • For students 13-18 years old

  • Co-signer required

  • $25.00 minimum to open account

  • Must receive E-Statements

  • Valid email address required

Open a Flat Fee Account

Prime Time Checking

  • 50 and older

  • FREE Online Banking / Billpay

  • FREE checks and check reorders

  • Unlimited check writing

  • No per item charge

  • No stop payment charge

  • A Monthly Maintenance Fee of $7.00 will be charged for accounts requiring a mailed statement.

  • Non-interest bearing accounts only

  • $100.00 minimum to open account

Open a Prime Time Checking Account

Interest Checking

  • FREE Online Banking / Billpay

  • Interest will be compounded daily and credited to your account monthly.

  • Interest rates may change periodically without notice.

  • If you close your account before interest is credited you will receive the accrued interest.

  • Interest begins to accrue on the business day that you deposit non cash items

  • Earns interest on a daily balance of $1000.00 or more.

  • A Monthly Maintenance Fee of $7.00 will be charged to the account, if daily account balance falls below $1000.00.

  • $1,000.00 minimum to open account

Open a Interest Checking Today

Money Market Accounts

  • FREE Online Banking / Billpay

  • Accounts are available to all customers

  • Interest will be compounded daily and credited to your account monthly

  • If you close your account before interest is credited you will receive the accrued interest

  • Interest rate may change periodically without notice

  • A Monthly Maintenance Fee of $10.00 will be charged if daily account balance falls below $1000.00

  • $1,000.00 minimum to open account

  • Interest begins to accrue on the business day that you deposit non cash items

  • Allowed 6 transfers from your account each statement cycle

  • Charges which may be applied to this account: $5.00 Excessive Money Market Fee for each check transaction, each electronic debit, ACH, or Internet transaction in excess of 6 per statement cycle

  • ATM withdrawals are considered in person and are unlimited.

  • Withdrawals in person are unlimited.

Open a Money Market Accounts Today

Reward Checking

  • FREE Online Banking / Billpay

  • FREE first order of checks

  • No maintenance fee

  • No per check charge

  • Refund of foreign ATM fees- if all qualifications are met

  • Variable Rate: the interest rate and annual percentage yield for account depend upon the applicable rate tier. The interest rate and annual percentage yield for these tiers may change. At our discretion, we may change the interest rate on account. We may change the interest rate daily.

  • Interest will be compounded daily and interest will be credited to the account monthly (Daily Balance Method: this method applies a daily periodic rate to the principal in the account each day)

  • If you close your account each before interest is credited, you will receive the accrued interest

  • Interest begins to accrue based on a ledger balance

  • Interest begins to accrue on the business day that you deposit non cash items

  • Must have at least twelve (12) POS Debit card transactions post and clear per qualification cycle

  • Must have at least one (1) ACH debit or credit transaction post and clear per qualification cycle

  • Must receive E-Statements (Internet Banking)

  • Must have a valid email address

  • If all qualifications are met:

    • 0.25% Interest Rate/ 0.25% Annual Percentage Yield will be paid to any balance up to $5,000.00 (Interest Rate as of 01/01/2020)

    • .05% Interest Rate/ .05% Annual Percentage Yield will be paid to any balance over $5,000.00 (Interest Rate as of 01/01/2020)

  • If all qualifications are not met:

    • - A base rate (default rate) of .05% Interest Rate/ .05% Annual Percentage Yield will apply to the entire balance Rate Tier: The payment of a higher rate of interest is not tied to the balance in the account of the dollar amount of the transactions; rather, it is tied to the number of transaction during the statement cycle

  • $100.00 minimum to open account

Open a Reward Checking Today

Commercial Accounts

  • Keep a minimum daily balance of $1000.00 in your account and pay no service charges.

  • If your account daily balance drops below $1000.00, you pay $5.00 per month and .20 per check/debit transaction.