Personal Checking

Regular Checking

A non-interest bearing checking account for personal use, with no service charges and no transaction limits.

Minimum balance to open an account
You must deposit $100.00 to open this account, unless the account holder is under 18 years of age.
Minimum balance to avoid imposition of fees
There are no minimum balance requirements.
Rate information
This is a non-interest bearing account.
Account Fees
There are no monthly maintenance charges or per debit charges on this account.

Super NOW Checking

Our interest-bearing personal checking account. (note: Business entities are not eligible for this type of account) This account has no service charges and no limits on transactions.

Rate information
Your interest rate and annual percentage yield may change. See our rates page for current rate info.
Frequency of rate changes
We may change the interest rate on your account at any time.
Determination of rate
At the bank’s discretion, we may change the interest rate on your account.
Compounding and crediting frequency
Interest will be compounded monthly. Interest will be credited to your account monthly.
Effect of closing an account
If you close your account before interest is credited, you will not receive the accrued interest.
Minimum balance to open the account
You must deposit $1,500.00 to open this account.
Account Fees
There are no monthly maintenance charges or per debit charges on this account, and no monthly minimum balance requirement
Foreign ATM Fee
If you use your debit card at an ATM not owned by us, you will be charged a fee of $1.00 per transaction in addition to any fees charged by the ATM owner.
Minimum balance to obtain the annual percentage yield disclosed
You must maintain a minimum balance of $1,500.00 in the account each and every day of the cycle period to obtain the disclosed annual percentage yield.
Daily balance computation method
We use the daily balance method to calculate the interest on your account. This method applies a daily periodic rate to the principal in the account each day.
Accrual of interest on non-cash deposits
Interest begins to accrue no later than the business day we receive credit for the deposit of non-cash items (for example, checks).

See Common Features of All Accounts

MMDA Account

An interest-bearing account open to both business and personal customers. This account is limited in the number of checks written per month. This account generally has a higher interest rate than a Super NOW account.

Rate Information
Your interest rate and annual percentage yield may change. See our rates page for current rate info.
Frequency of rate changes
We may change the interest rate on your account at any time.
Determination of rate
At our discretion, we may change the interest rate on your account.
Compounding and crediting frequency
Interest will be compounded monthly. Interest will be credited to your account every month.
Effect of closing an account
If you close your account before interest is credited, you will not receive the accrued interest.
Minimum balance to open the account
You must deposit $1,500.00 to open this account.
Minimum balance to obtain the annual percentage yield disclosed
You must maintain a minimum balance of $1,500.00 in the account each day to obtain the disclosed annual percentage yield.
Daily balance computation method
We use the daily balance method to calculate the interest on your account. This method applies a daily periodic rate to the principal in the account each day.
Accrual of interest on non-cash deposits
Interest begins to accrue no later than the business day we receive credit for the deposit of non-cash items (for example, checks).
Transaction Limitations
Withdrawals from a MMDA account in any form are limited to no more than six per statement cycle. An excessive withdrawal charge of $5.00 will be charged for each withdrawal in excess of these limitations.
Foreign ATM Fee
If you use your debit card at an ATM not owned by us, you will be charged a fee of $1.00 per transaction in addition to any fees charged by the ATM owner.

See Common Features of All Accounts