Banking Services

Checking Accounts

Personal Checking Account

Collected Balance Monthly Maintenance Charge
Less than $100.00 $5.00
$100 to $300 $4.00
over $300 to $500 $3.00
over $500 to $700 $1.00
over $700 (no charge)

Activity Fee:
$.15 per debit (checks paid, ATM or ACH debit, etc)
3 free debits for each $100 average monthly balance

Personal Checking Account (60 years or older)

  • You must deposit $100 to open this account.
  • No service charge (Personal Checking Accounts only)

Low Activity Checking Account

  • You must deposit $100 to open this account
  • $3.00 monthly maintenance fee if the average daily balance falls below $700.

Activity Fee:
8 free debits per month (checks paid, ATM or ACH debit, etc)
$.50 for each debit in access of 8 per monthly cycle.

Church, Charitable, Non-Profit Accounts

  • You must deposit $100 to open this account.
  • $1.00 monthly maintenance fee if the collected balance falls below $300

National Plus Checking

A minimum balance $5000 or a compensating balance of $5000 in either a certificate of deposit or savings account.  Account can only be opened as a personal account.

Maintenance fee of $10.00 (if balance falls below minimum)

  • Interest is compounded monthly at the published rate.
  • FREE personalized National Plus checks or $5.00 off any other type check order.
  • FREE money orders & cashier’s checks.
  • FREE notary service.
  • Discount installment or commercial loan rates.
  • Preferred CD rates.
  • Half off safe deposit box rent.

Business Checking

Collected Balance Monthly Maintenance Charge
Less than $100.00 $5.00
$100 to $300 $4.00
over $300 to $500 $3.00
over $500 to $700 $1.00
over $700 (no charge)

Activity Fee:
Other banks checks deposited $.04
$.15 per debit (checks paid, ATM, or ACH debits, etc.)

Earnings credit will be computed based on the collected balance at the current passbook rate to offset any monthly service charges.  Service charges are based on the above collected balances and activity fees.

Now Personal

Minimum deposit amount to open account is $1000

Interest is compounded monthly at the published rate. Account can only be opened as a personal account.

  • Daily Collected Balance – $1000
  • Average Collected Balance – $2000
  • $.15 per debit in excess of 30 per month
  • Maintenance Fee – $4.00 per month will be imposed if your balance falls below daily collected or the average collected balance.

Super Now Personal

Minimum deposit to open account is $2500.

Interest is compounded monthly at the published rate.  Account can only be opened as a personal account.

  • Daily Collected Balance – $2500
  • Average Collected Balance – $4000
  • Maintenance Fee – $10.00 per month will be imposed if your balance falls below daily collected or average collected balance.
  • $.20 per debit in excess of 10 per month

MMDA Personal

Minimum deposit to open account is $2500.

Interest is compounded monthly at the published rate.

  • Daily Balance – $2500
  • Maintenance Fee – $10.00 per month will be imposed if your balance falls below Daily balance.
  • A $.50 fee will be charged for each debit in excess of 6 per month

MMDA Non-Personal

  • Interest is compounded monthly at the published rate
  • Minimum collected balance – $5000
  • If the minimum collected balance falls below $5000, the rate will revert to the current passbook rate.
  • A $20 monthly maintenance charge will be assessed if the collected balance falls below $5000.
  • $.15 per withdrawal
  • $.25 per deposit

 

 

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