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No Monthly Fees

Unlimited Checking Writing

Minimum Deposit of $100 to Open

 

Perfect for someone who is starting their financial journey!

What's Included?

Debit/ATM CardThis is Available
Online BankingThis is Available
Interest RateThis is not available or applicable
ATM RefundsThis is not available or applicable
Minimum Opening Deposit$100.00

Minimum Opening Deposit for

customers under the age of 18

$25.00
Minimum account balance$0.00
Online Bill Pay1This is Available
Mobile BankingThis is Available
E-statementsThis is Available
Direct DepositThis is Available
Overdraft Protection Available2This is Available
Unlimited TransactionsThis is Available

Other Important Disclosures

1. Online Bill Pay is $5.95 a month. Fee is waived if enrolled in e-statements.

2. Overdraft Protection has a fee of $10 per use.

The USA PATRIOT Act has paved the way for financial institutions to help prevent fraud, identity theft, and the spread of terrorism. It requires financial institutions to obtain more information from an individual or legal entity to help establish identity.

Your cooperation is needed when you open a new account or request a loan. You may be asked more questions to establish and confirm your identity. It may also be required for you to provide one or more forms of identification.

Common Features

The following fees may be assessed against your account and the following transaction limitations, if any, apply to your account.

DescriptionFee
Check Printing(fee depends on style and quantity of check ordered)
ATM/Debit Card replacement fee$10.00
Money Orders$3.00
Cashier’s Checks$3.00
A Dormant Checking account is dormant if for 1 year you have made no deposits or withdrawals to the account$5.00 per month
A Savings account is dormant if for 2 years you have made no deposits or withdrawals to the account$5.00 per quarterly statement cycle
Garnishment/Levies$75.00


The categories of transactions for which an overdraft fee may be imposed are those by any of the following means: check, in-person withdrawal or ACH transaction.The categories of transactions for which an overdraft fee may be imposed are those by any of the following means: check, in-person withdrawal or ACH transaction.

DescriptionFee
Overdraft – each overdraft paid$28.00
Non-sufficient funds (NSF) – each$28.00
Overdraft Transfer Fee$10.00
Returned deposited itemNo charge for initial return ($5.00 charge for each subsequent chargeback to account)
Account research$25.00 per hour
Account balancing assistance$25.00 per hour
Stop payments – each$20.00
Incoming wire transfers (domestic)$10.00
Outgoing wire transfers (domestic)$25.00
International wire transfers$70.00
Copy of Statement$2.00
Bill payment$5.95
Telephone transfers$3.00
International Transactions0.8% of amount transacted
International Transaction with currency conversion1.0% of amount transacted

We may require not less than 7 days’ notice in writing before each withdrawal from an interest-bearing account other than a time deposit, or from any other savings account as defined by Regulation D. Withdrawals from a time account prior to maturity or prior to any notice period may be restricted and may be subject to penalty. See your notice of penalty for early withdrawal.