Personal Checking Accounts

See Fee Schedule Table below

 

Personal Value Plus Checking

Personal Money Market Checking

Personal NOW Checking

Personal Checking

Personal Choice Checking

Health Savings Account (HSA)

Your Goal

Avoid all monthly fees with $5,000 in related savings, CD or loan balance

Get the best interest rate for a checking

Find a checking that earns interest but doesn't have any transfer limits

Start with basic checking

Enjoy no monthly fees or minimum balance requirements

Pay for your family's qualified* medical and health expenses

Earns Interest

Non-applicable

Yes

Yes

Non-applicable

Non-applicable

Yes

Minimum Opening Balance

$10

$2,500

$750

$10

Non-applicable

$10

Minimum Daily Balance

$5,000 in related savings, CD or loan balance to avoid Maintenance Fee

$2,500 to avoid Minimum Balance Fee; $0 to obtain APY

$750 to avoid Minimum Balance Fee; $0 to obtain APY

$350 to avoid Minimum Balance Fee

Non-applicable

$1,000 to avoid Minimum Balance Fee; $100 to obtain APY

Minimum Balance Fee

Non-applicable

$10 or See (*A) to avoid Minimum Balance Fee

$10 or See (*A) to avoid Minimum Balance Fee

$8 or See (*A) to avoid Minimum Balance Fee

Non-applicable

$2.50 or See (*A) to avoid Minimum Balance Fee

Maintenance Fee

$10 or See (*B) to avoid Maintenance Fee

Non-applicable

Non-applicable

Non-applicable

Non-applicable

Non-applicable

Compounded and Credited Interest

Non-applicable

Monthly

Monthly

Non-applicable

Non-applicable

Monthly

Transfer Limits

Non-applicable

Yes - See (*C)

Non-applicable

Non-applicable

Non-applicable

Non-applicable

Monthly Statement

By Postal Service or E-Statement

By Postal Service or E-Statement

By Postal Service or E-Statement

By Postal Service or E-Statement

By Postal Service or E-Statement

By Postal Service or E-Statement

Online Banking and Telephone Banking

Available

Available

Available

Available

Available

Available

Terms and Conditions:

APY = Annual Percentage Yield
(*A) A Minimum Balance Fee will be imposed every statement period if the daily balance in the account falls below the minimum daily balance any day of the statement period. Fees may reduce earnings.
(*B) A Maintenance Fee of $10.00 will be charged each statement period; however, fees may be avoided if a minimum daily balance of $5,000.00 is maintained in a related savings account, certificate of deposit or loan.
(*C) You may not make more than six (6) transfers and withdrawals from your account per statement period by means of a preauthorized or automatic transfer or telephone (including data transmission) agreement, order or instruction or by check, draft, debit card or similar order payable to third parties.
Excess Transaction Fee (over six items per statement period): $15 per item after six
 

Fee Schedule

Account Balancing Assistance - per hour

$25.00

Account Closing Within 180 days

$25.00

Account Research - per hour

$25.00

Continuous Overdraft Fee After 5 Business Days *

$3.00

Debit Card PIN Replacement - Each

$10.00

Debit Card Replacement - Each

$10.00

Debit Card Rush Order - Each

$15.00

Deposited Items Returned Unpaid - Each

$10.00

Excess Transactions Fee - Money Market & Savings **

$15.00

Levy / Garnishment - Each

$40.00

Money Order - Each

$5.00

Overdraft Fees - Each

$35.00

Returned Items Fees - Each

$35.00

Special Statement - Each

$25.00

Statement Copy - Each

$5.00

Stop Payments - Each

$31.00

Sweep Fee - Each

$5.00

Wire Transfers - Domestic Outgoing - Each

$25.00

Wire Transfers - Foreign Outgoing - Each

$55.00

Wire Transfers - Incoming - Each

$18.00

Additional Fees and Terms:

An Overdraft Fee applies to overdrafts created by check, in-person withdrawal or other electronic means.
* A Continuous Overdraft Fee of $3.00 will be applied each business day after 5 consecutive business days in which the account is overdrawn.
** You may not make more than six (6) transfers and withdrawals from your account per statement period by means of a preauthorized or automatic transfer or telephone (including data transmission) agreement, order or instruction or by check, draft, debit card or similar order payable to third parties. Excess Transactions Fee (over six items per statement period): $15 per item after six

Health Savings Accounts (HSA)

Want to write a check for your family's qualified* medical and health expenses using money that earns interest, tax deferred with contributions that are excluded from income? Open a Health Savings Account (HSA) with the help of your customer service representative today. You must have a high deductible health plan to be eligible. In addition unused contributions carry from year to year, and your account is portable.

* Consult a tax advisor for a list of qualified medical expenses. For qualifying customers only.