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Checking Services

Checking Accounts

Checking (Regular Checking)	Checking Plus (Interest Bearing)	Incentive Checking (Seniors Account) Age 55 or Older
No minimum balance	$500 minimum average daily balance to earn dividends	$1,000 minimum average daily balance to earn dividends
No monthly service charge	$5 monthly service charge if $500 minimum balance not maintained	$2 monthly service charge if $1,000 minimum balance not maintained
No dividends	Competitive dividend	Competitive dividend
ATM and Debit Cards Available	ATM and Debit Cards Available	ATM and Debit Cards Available
No annual fee Visa	No annual fee Visa	No annual fee Visa
Free overdraft protection	Free overdraft protection	Free overdraft protection
Purchase own checks	First order of checks free	Free checks
	Reduced consumer loan rates of .25% (except for during special promotions)	Reduced consumer loan rates of .25% (except for during special promotions)
	Free cashier’s checks	Free cashier’s checks
	Free wire transfers	Free wire transfers
	Free stop payments	Free stop payments
		.15% bonus on new/maturing CDs

Conveniently Your Way . . .

Debit (Check) Card

• Looks like a credit card but acts like a check
• Purchases deducted directly from your checking
• Details of purchases on your monthly statement
• Performs double duty as an ATM card

ATM Card

• Nationwide access
• Find a Surcharge-free machine:
  Quick Local List of Surcharge-Free ATMS or CO-Op networks

E-Mail, call for or pick up an application today. Quit fumbling for your checkbook and ID and get cash conveniently your way!

Check Reordering Made Easy!

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