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Personal  Checking



REGULAR CHECKING ACCOUNT

  • You must deposit $300.00 to open this account.
  • A minimum balance charge of $6.00 will be imposed every month if the daily balance for the month falls below $500.00.
  • No restrictions on the number of checks you may write each month.
  • Visa ATM/Debit card available with credit approval.
  • The charge for an ATM/Debit card is $1.00 per month (whether or not it is used in the period).

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SENIOR CHECKING

  • You must deposit $300.00 to open this account.
  • No monthly minimum balance charge.
  • No restrictions on the number of checks you may write each month.
  • Visa ATM/Debit card available with credit approval.
  • The charge for an ATM/Debit card is $1.00 per month (whether or not it is used in the period).
  • This account receives a monthly statement with images of written checks.
  • There is no charge to receive a paper statement.


STUDENT CHOICE CHECKING

  • You must deposit $300.00 to open this account.
  • No monthly minimum balance charge.
  • No restrictions on the number of checks you may write each month.
  • Visa ATM/Debit card available with credit approval.
  • The charge for an ATM/Debit card is $1.00 per month (whether or not it is used in the period).
  • This account receives a monthly statement with images of written checks.
  • There is no charge to receive a paper statement.


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NOW ACCOUNT

  • You must deposit $1,000.00 to open this account.
  • A minimum balance charge of $10.00 will be imposed every month if the daily balance of the account falls below $1,000.00 any day of the month. You must maintain $1,000.00 daily not to have a minimum balance charge and to receive the accrued interest for the period.
  • Interest on your account will be compounded monthly.
  • Interest will be credited to your account monthly.
  • 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.
  • Interest begins to accrue on the business day you deposit non-cash items.
  • No restrictions on the number of checks you may write each month.
  • Visa ATM/Debit card available with credit approval.
  • The charge for an ATM/Debit card is $1.00 per month (whether or not it is used in the period).
  • Please contact customer service at 256-845-6101 to obtain the current interest rate and annual percentage yield for this account.
  • The interest rate on this account is variable.


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SUPER NOW ACCOUNT

  • You must deposit $2,500.00 to open this account
  • A minimum balance charge of $12.50 will be imposed every month if the daily balance of the account falls below $2,500.00 any day of the month. You must maintain $2,500.00 each day of the month not to have a minimum balance fee and to receive the accrued interest for the period.
  • 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.
  • Interest begins to accrue on the business day you deposit non-cash items.
  • Interest on your account will be compounded monthly.
  • Interest will be credited to your account monthly.
  • No restriction on the number of checks you may write each month.
  • Visa ATM/Debit card available with credit approval.
  • The charge for an ATM/Debit card is $1.00 per month (whether or not it is used in the period).
  • Please contact customer service at 256-845-6101 to obtain the current interest rate and annual percentage yield for this account.
  • The interest rate on this account is variable.


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MONEY MARKET

  • You must deposit $2,500.00 to open this account
  • A minimum balance charge of $12.50 will be imposed every month if the daily balance of the account falls below $2,500.00 any day of the month. You must maintain $2,500.00 each day of the month not to have a minimum balance fee and to receive the accrued interest for the period.
  • 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.
  • Interest begins to accrue no later than the business day we receive credit for the deposit of non-cash items.
  • Interest on your account will be compounded monthly.
  • Interest will be credited to your account monthly.
  • During any month you may not make more than 6 withdrawals or transfers to another account of yours or to a third party by means of a preauthorized or automatic transfer or telephone order or instruction, computer transfer, or by check, draft, debit card or similar order to a third party.
  • Visa ATM/Debit card available with credit approval.
  • The charge for an ATM/Debit card is $1.00 per month (whether or not it is used in the period).
  • Please contact customer service at 256-845-6101 to obtain the current interest rate and annual percentage yield for this account.
  • The interest rate on this account is variable.


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