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 Card |  |
|---|---|
| Online Banking | |
| Interest Rate |  |
| ATM Refunds | |
| Minimum Opening Deposit | $100.00 |
| Minimum account balance | $0.00 |
| Online Bill Pay1 | |
| Mobile Banking | |
| E-statements | |
| Direct Deposit | |
| Overdraft Protection Available2 | |
| Unlimited Transactions | |
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.
| Description | Fee |
|---|---|
| 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.
| Description | Fee |
|---|---|
| Overdraft – each overdraft paid | $28.00 |
| Non-sufficient funds (NSF) – each | $28.00 |
| Overdraft Transfer Fee | $10.00 |
| Returned deposited item | No 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 Transactions | 0.8% of amount transacted |
| International Transaction with currency conversion | 1.0% 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.