Checking

Free Checking
· Does not pay interest
· No Monthly Fees
· No minimum balance

Checks Back NOW Account
· Pays interest
· No Monthly Fees
· $500 minimum balance

Value Plus NOW Account
· Pays interest
· No Monthly Fees
· No minimum balance if you have a Direct Deposit to the account
· $100 minimum balance if you do not have a Direct Deposit to the account
· This account is designed for customers receiving Social Security, Pension, Retirement and Disability payments.

Ultimate One Account
· Pay interest
· No Monthly Fees
· $100 minimum balance
· One box of standard checks for free
· Accidental Death Insurance

Ultimate One Plus Account
· Pays Interest
· Monthly Fee of $5.00 ($3.00 is you are 50+)
· No minimum balance
· All orders of standard checks for free
· Accidental Death Insurance
· Free money orders
· 50% discount on faxes

Money Market Demand Account (MMDA)
· Pays Interest based on balance of account
· No Monthly Fee
· $500 minimum balance
· Activity is limited to 6 withdrawals/transfers per month with only 3 checks per month.
· Withdrawals, transfers and Deposits must not be less than $100 each time

Commercial Account
· Pursuant to Federal Law, checking accounts that earn interest are not available to commercial customers.
· Exceptions to this rule are: sole proprietors, husband & wife partnerships, government agencies and non-profit organizations.
· Commercial accounts pay a fee for deposits and for checks that clear the account.
· A Earnings Credit rate is paid in lieu of interest.