Personal Checking
Regular Checking
A non-interest bearing checking account for personal use, with no service charges and no transaction limits.
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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.
See Common Features of All Accounts
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.
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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.
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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. Note: We reserve the right to change this account from a MMDA to an alternative account type in the event of repeated excessive withdrawals. -
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.