Checking Accounts

Documents to bring when opening a new account.

	Premium Checking
Minimum balance	$1,000 or $10,000 combined monthly average in DDA, Savings & CDs
Monthly service charge	$10 if balance drops below minimum balance requirements
Interest bearing	Yes, variable interest rate.  Premium Checking rate is subject to change
Monthly statement	Mailed to customer; check images included
Online bill pay	Free unlimited
Checks provided	Yes, standard checks

	Value Checking
Minimum balance	None
Monthly service charge	$7 monthly fee; seniors (62+) free
Interest bearing	No interest rate is paid on this account
Monthly statement	Mailed to customer; check images included
Online bill pay	Free unlimited
Checks provided	Yes, standard checks

	Reward Checking
Minimum balance	None
Monthly service charge	No service charge when you sign up for e-statements and have at least 10 debit card purchases posted during the statement cycle. $5 per month if criteria is not met
Reward Credit	The Rewards Credit is calculated as 0.25% the total point of sale debit card transactions posted to the account between the first and last business day of the month.  Reward credit percentage rate is subject to change
Monthly statement	E-statements required (check images not returned)
Online bill pay	Free unlimited
Checks provided	No

	To Go Checking
Minimum balance	None
Monthly service charge	No service charge when you sign up for e-statements; $2 per month if not signed up for e-statements; seniors (62+) free
Interest bearing	No interest rate is paid on this account
Monthly statement	E-statements or mailed to customer (check images not returned)
Online bill pay	5 free/month, $.50 for each additional payment
Checks provided	No

All Accounts are eligible for Free Online Banking with Bill Pay opportunities

*Reward Checking – The reward credit will be deposited on the last banking business day each month in which all minimum requirements are met.  Minimum ten (10) POS debit card transactions are required AND opt-in to e-statements.