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Checking Accounts | Savings Accounts | Retirement Accounts | Credit Cards
Checking Accounts
We offer a variety of checking accounts to meet every individual's personal needs. We also have different accounts available for businesses, clubs, estates, and charitable organizations.
- Convenience – Checks allow payment by mail rather than in person.
- Statements – Are sent monthly.
- Direct Deposit – We can have your Social Security, other government check and payroll checks deposited into your account.
- Stop Payment – This service is available if a customer wishes the bank not to pay a check he has already issued.
- Jeanie ATM / Debit Cards - This service allows access to your account 24 hours a day, 7 days a week, all over the United States and many foreign countries.
Regular Checking
Minimum balance to avoid imposition of fees -
| ACCOUNTS PROCESSING 30 OR LESS ITEMS PER MONTH |
| Average Balance |
Monthly Charge |
| Over - $700 |
No Charge |
| $501 - $700 |
$1.00 |
| $301 - $500 |
$2.00 |
| 0 - $3.00 |
$3.00 |
| ACCOUNTS PROCESSING MORE THAN 30 ITEMS PER MONTH |
| Average Balance |
Monthly Charge |
| Over - $700 |
No Charge |
| $501 - $700 |
$1.00 |
| $301 - $500 |
$2.00 |
| 0 - $3.00 |
$3.00 |
PLUS $2.00 per month maintenance charge
PLUS 10¢ for each check written over 30
MINUS 10¢ credit for each $100.00 average balance |
Thrift Checking
For accounts writing very few checks each month. College students, Cub Scouts, Softball Teams, etc. - 75 cent per month - 20 cents per check.
Student Checking Account
(To be eligible for this account you must be a high school or college student)
- No monthly service charge on this account
- No per-check charge on this account
- Non-interest bearing account
NOW Account
We pay interest on your checking account, if you maintain a $1,000 minimum balance, or a $2,000 avg. balance and there is no service charge. If your balance falls below the minimum, you will be charged $5.00 for that month. You will still receive your interest even though you've dropped below the minimum balance. A monthly statement will show the interest earned and there are Unlimited Check Writing privileges. Partnerships for profit and corporations are not eligible for a NOW or Super NOW Account.
Fees could reduce earnings.
Super NOW Account
Interest Rate may vary each week in relation to money market Interest rates. Interest rates may change each Wednesday. Minimum Balance of $2,500. If your balance falls below $2,500 you will earn interest and also have a $5.00 charge for that month. Your Monthly Statement will show interest earned. Unlimited check writing. Partnerships for profit and corporations are not eligible for a NOW or Super NOW Account.
Fees could reduce earnings.
Money Market Plus Account
Interest Rate may vary each week in relation to money market Interest rates. Interest rates may change each Wednesday. Minimum balance of $2,500. If your balance falls below $2,500 you will earn interest and also have a service charge of $5.00 for that month.
Fees could reduce earnings.
Transfers to another account or to third parties by
preauthorized, automatic, telephone or computer transfer or by
check, draft, or similar order to third parties are limited to six
per statement cycle. A per item fee of $1.00 will be charged for
each check in excess of six during a statement cycle.
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