Personal Banking
Regular Checking Account
$50.00 minimum deposit is required to open this account.
A fee of $5.00 will be assessed if the balance falls below $500.00 on any day of the cycle, with an additional fee of $.25 per debit after the initial ten free debits. Above fees are waived for full-time students and persons 62 and older.
NOW Account
$ 750 minimum balance to open the account
A maintenance fee of $5.00 will be assessed if the daily balance falls below $750.00 or if the average
daily balance falls below $1,500 on any day of the statement cycle with an additional per debit charge of $.25
if the balances are not maintained.
Money Market Account
$1,000.00 minimum balance to open the account
A fee of $5.00 will be assessed if the balance falls below $1,000.00 on any day of the statement cycle. An
excessive money market transaction fee of $5.00 will be charged for each check, draft, or similar order to
third parties in excess of six during a statement cycle.
Regular Savings Account
$100.00 minimum to open the account
($25.00 for minors)
A fee of $2.00 will be assessed if the balance falls below $100.00 on any day of the
month.
(Does not apply to minors)
An additional fee of $2.00 will be charged for each debit after the
first three per quarter.
List of Other Fees
| NSF Checks | ||
| Overdraft Fee | $32.00 |
|
| Returned Item Fee | $32.00 |
|
| Note: Overdrafts may be created by checks, in person withdrawals or other electronic means. | ||
| Stop Payments | $32.00 |
|
| Image Copy | $5.00 |
per copy |
| Snapshot Printout | $2.00 |
|
| Phone Transfers | $5.00 |
|
| Collection Items | $20.00 |
|
| Wire Transfers Domestic | $15.00 |
|
| Wire Transfers International | $55.00 |
|
| Official Checks < $500.00 | $5.00 |
each |
| Official Checks > $500.00 | $6.00 |
each |
| Money Orders < $500.00 | $5.00 |
each |
| Money Orders > $500.00 | $6.00 |
each |
| ATM/Debit Card Replacement | $15.00 |
|
| Replace/Reminder ATM Pin | $5.00 |
|
| Front/Back Image Statement | $7.50 |
per statement |
| Foreign ATM Transactions | $2.00 |
|
| Account Closed Early (90 days) | $15.00 |
|
| Charge Back Fee | $3.00 |
|
| Dormant Account | $5.00 |
(Maximum $60.00) |
| Levies & Garnishments | $50.00 |
|
| Account Research ($5.00 Minimum) | $20.00 |
per hour (Maximum $5.00) |
| Statement Reconciliation ($5.00 Minimum) | $15.00 |
per hour (Maximum $5.00) |
| Safe Deposit Box | ||
| 3 x 5 | $25.00 |
|
| 5 x 5 | $35.00 |
|
| 3 x 10 | $40.00 |
|
| 5 x 10 | $50.00 |
|
| 10 x 10 | $70.00 |
There is a $3.00 discount for account auto debit and BanClub members
BanClub Basic
BanClub Basic Plan provides $10,000.00 Accidental Death Insurance. Along with free checks, Traveler’s Checks, Money Orders, and Official Checks, BanClub also provides membership in Payment Card Protection and the Hotel Savings Network all for a monthly fee of $7.50.
BanClub Family
Plan provides $20,000.00 Accidental Death Insurance for member, $10,000 for member’s spouse and $1,500 for each dependant. Along with free checks, Traveler’s Checks, Money Orders and Official Checks. BanClub also provides membership in Payment Card Protection and the Hotel Savings Network all for a monthly fee of $9.50.
|
All funds in a “noninterest-bearing transaction account” are insured in full by the Federal Deposit Insurance Corporation from December 31, 2010, through December 31, 2012. This temporary unlimited coverage is in addition to, and separate from, the coverage of at least $250,000 available to depositors under the FDIC’s general deposit insurance rules. Currently, non-interest bearing accounts are covered to an unlimited amount. Deposited funds that are transferred from an non-interest bearing account to an interest bearing account will not be covered up to an unlimited amount. |