Checking

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Personal Checking     
*There is not a service charge for maintaining the monthly balance. However, to avoid closing there is a minimum balance of $1.00 to keep the account open.
NOTE: Debit Card Access, Free 24-Hour Phone Banking and eStatements are included on all accounts.
Pays InterestMinimum daily balance required to obtain the disclosed annual percentage yieldMinimum deposit to openMinimum Balance to Avoid Service ChargeMonthly Maintenance FeePer debit feeATM Transaction Fees
Homeownersyes$2,500 or greater$100$1.00*NoneNone3 free foreign ATM transactions are allowed per monthly statement cycle; $1.00 per transaction fee is charged in excess of three foreign ATM 
transactions.
Economyn/an/a$100$1.00*Monthly fee waived if customer has direct deposit to this account.$0.50 charged for each debit in excess of ten per monthly statement cycle.
Studentn/an/a$1.00$1.00*NoneNone
Silver Hawk Clubn/an/a$100$1.00*NoneNone
NOWyes$500$500$500$0 if Min. daily balance is over $500.00 or if average daily balance is over $1,500 for monthly statement cycle.$5.00 plus a per debit of .10 cents, but can be waived if the minimum daily balance is over $500.00 or an average balance of is over $1500.00 for the monthly cycle
Super NOWyes$2,500.00$2,500.00$2,500.00None$5.00 plus a per debit fee of $0.10 if the daily balance drops below $2,500.00 any day of the month.
MMDAyesNone$2,500$2,500None if number of transactions are within monthly limits.NoneATM transactions are not allowed for this account type.

 

Homeowner’s Checking Account

Ideal for homeowners. This account is an interest –bearing account with a $100.00 minimum deposit to open.

  • $1.00 minimum balance is required to keep this account open.
  • The minimum daily balance required to obtain the disclosed Annual Percentage Yield is $2,500.00.
  • The minimum balance required to avoid service charge is $1.00.
  • No monthly maintenance fee. No per debit fee.
  • 3 free foreign ATM transactions are allowed per monthly statement cycle; $1.00 per transaction fee is charged in excess of three foreign ATM transactions.
  • Debit Card Access, Free 24-Hour Phone Banking, Free basic eCHIEF Internet Banking with no monthly fee Bill Pay, and eStatements are included with this account.

Economy Checking Account

Non-interest bearing checking account with a $100.00 minimum deposit to open.

  • $1.00 minimum balance is required to keep this account open.
  • The maintenance fee is waived if customer has direct deposit into this account every month.
  • $0.50 is charged for each debit in excess of ten per monthly statement cycle.
  • 3 free foreign ATM transactions are allowed per monthly statement cycle; $1.00 per transaction fee is charged in excess of three foreign ATM transactions.
  • Debit Card Access, Free 24-Hour Phone Banking, Free basic eCHIEF Internet Banking with no monthly fee Bill Pay, and eStatements are included with this account.

Student Checking Account

Available for students under the age of 25 with proof of student status. Non-interest bearing account with a $1.00 minimum deposit to open.

  • $1.00 minimum balance is required to keep this account open.
  • There is no monthly fee or per item fee on this account.
  • 3 free foreign ATM transactions are allowed per monthly statement cycle; $1.00 per transaction fee is charged in excess of three foreign ATM transactions.
  • Debit Card Access, Free 24-Hour Phone Banking, Free basic eCHIEF Internet Banking with no monthly fee Bill Pay, and eStatements are included with this account.

Silver Hawk Club Checking Account

Available to individuals who are 50 years of age or older who maintain a minimum depository balance of $5,000.00 or greater in any combination of deposit accounts. This is a non-interest bearing account with a minimum $100.00 deposit required to open this account.

  • This is a no service fee checking account.
  • There is no per item fee on this account.
  • 3 free foreign ATM transactions are allowed per monthly statement cycle; $1.00 per transaction fee is charged in excess of three foreign ATM transactions.
  • Debit Card Access, Free 24-Hour Phone Banking, Free basic eCHIEF Internet Banking with no monthly fee Bill Pay, and eStatements are included with this account.

NOW Account

Interest bearing account. Minimum deposit to open is $500.00.

  • The minimum daily balance required to obtain the disclosed Annual Percentage Yield is $500.00.
  • The minimum balance required to avoid a service charge is $500.00.
  • The monthly maintenance fee is $0 if Min. daily balance is over $500.00 or if average daily balance is over $1,500 for monthly statement cycle.
  • There is a $5.00 fee plus a per debit of $0.10 cents, but can be waived if the minimum daily balance is over $500.00 or an average balance of is over $1500.00 for the monthly cycle.
  • 3 free foreign ATM transactions are allowed per monthly statement cycle; $1.00 per transaction fee is charged in excess of three foreign ATM transactions.
  • Debit Card Access, Free 24-Hour Phone Banking, Free basic eCHIEF Internet Banking with no monthly fee Bill Pay, and eStatements are included with this account.

Super NOW Account

This is an interest bearing, tiered-rate account. Minimum deposit to open is $2,500.00.

  • The minimum daily balance required to obtain the disclosed Annual Percentage Yield is $2,500.00.
  • The minimum balance required to avoid a service charge is $2,500.00.
  • There is no monthly maintenance fee.
  • There is a $5.00 fee plus a per debit fee of $0.10 if the daily balance drops below $2,500.00 any day of the month. 3 free foreign ATM transactions are allowed per monthly statement cycle;
  • $1.00 per transaction fee is charged in excess of three foreign ATM transactions.
  • Debit Card Access, Free 24-Hour Phone Banking, Free basic eCHIEF Internet Banking with no monthly fee Bill Pay, and eStatements are included with this account.

Money Market Deposit Account

Interest bearing, tiered-rate account. Minimum deposit to open is $2,500.00.

  • There is no minimum daily balance required to obtain the disclosed Annual Percentage Yield.
  • The minimum balance required to avoid a service charge is $2,500.00.
  • There is no monthly maintenance fee if  the number of transactions are within monthly limits.
  • There is per debit fee on this account.
  • ATM transactions are not allowed for this account type.
  • Debit Card Access, Free 24-Hour Phone Banking, Free basic eCHIEF Internet Banking with no monthly fee Bill Pay, and eStatements are included with this account.

Regular Checking Account

Non-interest bearing account. Minimum deposit to open is $300.00.

Personal Checking Account

Non-interest bearing account. Minimum deposit to open is $100.00.

Senior Checking Account

Non-interest bearing account. Minimum deposit to open is $100.00.

Health Savings Checking Account

Interest-bearing account. Minimum deposit to open is $100.00.

Overdraft Loan Account

This product is tied to a Line of Credit (LOC). There is a $20.00 annual fee for this account, with a $5.00 fee to access the attached LOC. Funds will be transferred from the LOC to the account in increments of $100.00. The minimum monthly automatic payment is $50.00 to repay the LOC. The default LOC limit for this account is $500.00. Please consult a Loan Officer for Interest Rate Information regarding this account.

Electronic Transfer Account (ETA)

This is a non-interest bearing account available only to individuals who receive Federal benefit, wage, salary, or retirement payments electronically. Available funds on deposit can be withdrawn by presenting a properly completed withdrawal request form to one of our tellers or with your ATM card. To open this account you must provide us with current identification and an accurate tax identification number and sign up for direct deposit. Please see a customer service representative at any branch for the full disclosure of account terms and conditions.

For a complete list of disclosures, click here.

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