Personal Deposit Accounts

CHECKING

Personal Checking
Eligibility: Individuals
Minimum Opening Deposit: $500
Average Balance: $500
Combined Balance: $500
Interest: No Interest Paid
Service Fees and Requirements: If the average monthly balance falls below $500 or the combined balance of checking, savings and money market falls below $500, the account is subject to a $10 service charge.

Senior Citizen Checking
Eligibility: An Individual over 55 Year Old
Minimum Opening Deposit: $100.00
Average Balance: None
Combined Balance: None
Interest: No Interest Paid
Service Fees and Requirements: This account is not subject to monthly maintenance service fee, regardless of account balance.

Interest Checking (NOW)
Eligibility: Individuals, Sole Proprietor, Non-Profit Organization, Attorney Client Trust
Minimum Opening Deposit: $1,000
Average Balance: $1,000
Combined Balance: $1,000
Interest: Interest will be compound daily and credited to your account monthly. Variable Interest rate by the following tiers:

$0 - $9,999.99
$10,000 - $49,999.99
$50,000 - $99,999.99
$100,000 and over

Service Fees and Requirements: If the average monthly balance falls below $1,000 or the combined balance of checking, savings and money market falls below $1,000, the account is subject to a $10 service charge.

FlexChecking (NOW)
Eligibility: Individuals, Sole Proprietor, Non-Profit Organization, Attorney Client Trust
Minimum Opening Deposit: No minimum balance requirement
Average Balance: Not required
Combined Balance: N/A
Interest: Interest will be compound daily and credited to your account monthly. Variable Interest rate by the following tiers:
$0 - $2,499.99
$2,500 - $9,999.99
$10,000 - $24,999.99
$25,000 and over
Service Fees and Requirements: This account is not subject to monthly maintenance service fee, regardless of account balance. Usage of out-of-network ATM fee is reimbursed up to five times per month.  This account requires:
At least a direct deposit, access online banking at least once a month and frequently use debit card