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Personal Banking
Personal Checking
Comparison of Checking Accounts
| Account | Check Return | Restrictions | Unlimited Check Writing | Balance Requirement | ATM/ Debit | Service Fee |
|---|---|---|---|---|---|---|
| Free Checking | Image only | NA | Yes | NA | Yes | N/A |
| Interest Checking | Image only | NA | Yes | $1000 Daily | Yes | $10* |
| Star 55 | Image only | Over 55 | Yes | $2000 Daily | Yes | $10* |
| Gold Star Checking | Image only | NA | Yes | $100 Daily | Yes | N/A |
Free Checking
Account Benefits
- Unlimited check writing
- Free Imaged Statements ONLY
- Free ATM/Visa CheckCard (must qualify)*
- Free Online Banking
- Free Bill Pay
- $300 Overdraft Limit (after 30 days; must qualify)
Minimum Opening Balance… $100
Maintenance Fee… $0
Minimum Daily Balance to avoid Maintenance Fee… N/A
Average Monthly Balance to avoid Maintenance Fee… N/A
Interest Computing and Crediting Method… N/ATransaction Limitations, Activity S/C and other conditions
- Cancelled checks not returned with statement
- Bill Pay is free with a minimum of 5 bills paid per month;
otherwise $5 per month after the first 90 days.
Interest Checking
Account Benefits
- Unlimited check writing
- Free Imaged Statements
- Free ATM/Visa CheckCard (must qualify)*
- Free Online Banking
- Free Bill Pay
- $300 Overdraft Limit (after 30 days; must qualify)
Minimum Opening Balance… $1,000
Maintenance Fee… $10
Minimum Daily Balance to avoid Maintenance Fee … $1,000
Average Monthly Balance to avoid Maintenance Fee… N/AInterest Computing and Crediting Method
Daily balance method on collected balances Interest credited monthly.Transaction Limitations, Activity S/C and other conditions
- Bill Pay is free with a minimum of 5 bills paid per month; otherwise $5 per month after the first 90 days.
- If the daily balance falls below $1,000, no interest will accrue for that day.
Star 55
Account Benefits
- Unlimited check writing
- Free Imaged Statements
- Free ATM/Visa CheckCard (must qualify)*
- Free Online Banking
- Free Bill Pay
- Free Cashier’s Checks, Money Orders, Travelers Checks
- 1/2 price Safe Deposit Box rental – for lifetime of the account (up to 5 x 10)
- Free Basic Wallet Checks (specialty paper)
- $300 Overdraft Limit (after 30 days; must qualify)
Minimum Opening Balance… $2,000
Maintenance Fee… $10
Minimum Daily Balance to avoid Maintenance Fee… $2,000
Average Monthly Balance to avoid Maintenance Fee… N/AInterest Computing and Crediting Method
Daily balance method on collected balances. Interest credited monthly.Transaction Limitations, Activity S/C and other conditions
- For customers ages 55 and up.
- Bill Pay is free with a minimum of 5 bills paid per month; otherwise $5 per month after the first 90 days.
- If the daily balance falls below $2,000, no interest will accrue for that day.
* VISA CheckCards available subject to credit approval.
Gold Star Checking
Account Benefits
- Free interest bearing account
- Unlimited check writing
- $100 to open
- Free Imaged Statements
- Free Visa CheckCard (must qualify)
- Free Online Banking
- Free Bill Pay
Minimum Opening Balance… $100
Maintenance Fee… $0Requirements for Rewards interest rate & reimbursement on all ATM fees:
- 10 Debit Card POS Transactions per cycle
- 1 ACH Credit or ACH Debit (third party initiated ACH) per cycle
- Enroll online & Opt In for electronic statements
