Personal Account Types

Personal checking

Personal Checking Accounts

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Traditional Checking

  • Amount needed to open account - $50
  • Minimum balance to avoid monthly service charge - $250
  • Monthly service charge (if above minimum is not met) - $6
  • Is there a charge for writing checks? No
  • Can I have a debit card? Yes, there will be an annual fee of $12
  • Do I have to pay for checks?  Yes
  • Will I get a printed copy of my statement?  Yes.  However, if you choose to utilize our convenient eStatement option your monthly service charge will be reduced by $2

Eco-Checking

  • Amount needed to open account - $50
  • Minimum balance to avoid monthly service charge - $100
  • Monthly service charge (if above minimum is not met) - $1
  • Is there a charge for writing checks?  Yes, each check that clears will be $.10
  • Can I have a debit card?  Yes, debit cards are FREE for our Eco Checking account holders
  • Do I have to pay for checks?  Yes
  • Will I get a printed copy of my statement?  No, when signing up for Eco Checking you automatically agree to be signed up for eStatements

NOW Checking - Interest Bearing Checking Account

  • Amount needed to open account - $500
  • Minimum balance to avoid monthly service charge - $500
  • Monthly service charge (if above minimum is not met) - $7.50
  • Is there a charge for writing checks?  Yes, there is a charge of $.15 per check over 40 checks
  • Can I have a debit card?  Yes, debit cards are FREE for NOW checking account holders
  • Will I get a printed copy of my statement?  Yes

Senior Checking (Available to customers 55+)

  • Amount needed to open account - $50
  • Minimum balance to avoid service charge - No minimum balance
  • Monthly service charge - No monthly service charge
  • Is there a charge for writing checks?  No
  • Can I have a debit card?  Yes, debit cards are FREE for Senior account holders
  • Will I get a printed copy of my statement?  Yes, there is no charge for statements

Student Checking

  • Our ECO Checking doubles as our Student Checking - the monthly service charge and per check charge will be waived while you are attending school or until your 24th birthday.

Personal Savings Accounts

Passbook Savings

  • Amount needed to open account - $50
  • Minimum balance to avoid service charge - $50
  • Monthly service charge (if above minimum is not met) - $1
  • Excessive withdrawal charge - $1 each over 6 per month
  • Unlimited transfers in person

Kids Club Savings - Available for children 0-12th birthday

  • Amount needed to open account - $50
  • Minimum balance to avoid service charge - No minimum balance
  • Monthly service charge - No service charge
  • Unlimited transfers in person
  • For each deposit of $10 or more choose a prize from our Savers Box

Money Market Savings

  • Amount needed to open account - $2500
  • Minimum balance to avoid service charge - $1500
  • Monthly Service Charge (if above minimum is not met) - $10
  • Excessive withdrawal charge - $5 each over 6 per month
  • Unlimited transfers in person

Health Savings Account

  • Must have a HSA eligible heath insurance plan
  • Free debit card
  • No per check charge
  • Annual HSA fee - $25

Certificates of Deposit

  • Terms available from 3 -48 months
  • Minimum deposit and interest rates vary, please reach out to an Account Representative for more information.

IRA

  • Terms available: 12 or 24 month
  • Please reach out to an Account Representative for more information

Important Account Opening Information: Federal law requires us to obtain sufficient information to verify your identity.  You may be asked several questions and to provide one or more forms of identification to fulfill this requirement.  In some instances we may use outside sources to confirm the information.  The information you provide is protected by our privacy policy and federal law.