Checking Accounts

CareFree Checking Account

• No minimum balance required to open account
• No per item or maintenance fee
• Unlimited check writing
• Debit Card Available
• Overdraft Transfer Protection available
• $2.00 Monthly Check Image Charge (if requested)

NOW Checking Account

• $175.00 minimum balance required to open account
• Interest bearing-variable rate (rates)
• Unlimited check writing
• Debit Card available
• Overdraft Transfer Protection available
• $0.15 service charge/debit fee will apply for each debit if balance falls below the $175.00 minimum balance any day during the statement cycle
• $5.00 service charge/monthly fee if the daily balance falls below the $175.00 minimum any day of the statement cycle

Money Market

• $1,000.00 minimum balance required to open the account
• A tiered method will be used to calculate the interest rate
• No charge Cashiers’ Checks and Money Orders
• No debit card available
• $5.00 service charge/monthly fee if the daily balance falls below the $1,000.00 minimum any day of the statement cycle

Click Here for information regarding FDIC Deposit Insurance on your accounts.

All funds in a "non interest-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.

The term "non interest-bearing transaction account" includes a traditional checking account or demand deposit account on which the insured depository institution pays no interest. It does not include other accounts, such as traditional checking or demand deposit accounts that may earn interest, NOW accounts, money-market deposit accounts, and Interest of Lawyers Trust Accounts ("IOLTAs").