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Checking Accounts

Our Personal checking accounts offer value, convenience, and flexibility.

CashRewards Checking1

 

Minimum Balance to Open $100
Minimum Balance to Avoid Fees N/A
Monthly Service Fee/Charge $4.95 if qualifications are not met.
Fee Per Item N/A
Overdraft Privilege Limit2 $500
Qualifications

1. Use your debit card 1 or more times each statement cycle.

2. Receive eStatements

3. Have 1 ACH debit or credit each statement cycle.

Miscellaneous Get rewarded every time you use your debit card. For every debit card transaction of $10 or more, you will get 10 cents back.

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Community Fifty Free Checking1

 

Minimum Balance to Open $100
Minimum Balance to Avoid Fees N/A
Monthly Service Fee/Charge N/A
Fee Per Item N/A
Overdraft Privilege Limit2 $500
Miscellaneous 50% off any size safe deposit box.

 

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Regular Checking1

 

Minimum Balance to Open $100
Minimum Balance to Avoid Fees $700
Monthly Service Fee/Charge $6
Fee Per Item N/A
Overdraft Privilege Limit2 $800
Miscellaneous N/A

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U Start Fresh Checking1

 

Minimum Balance to Open $25
Minimum Balance to Avoid Fees N/A
Monthly Service Fee/Charge $7.95 with Direct Deposit. $9.95 without Direct Deposit.
Fee Per Item N/A
Overdraft Privilege Limit2 N/A
Miscellaneous ATM or debit card eligible after 90 days of acceptable account management.

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First Club Checking1

 

Minimum Balance to Open $100
Minimum Balance to Avoid Fees N/A
Monthly Service Fee/Charge $7 basic. $8 family.
Fee Per Item N/A
Overdraft Privilege Limit2 $800
Miscellaneous 25% off any size safe deposit box.

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First Club 551,3

 

Minimum Balance to Open $100
Minimum Balance to Avoid Fees $500
Monthly Service Fee/Charge $7
Fee Per Item N/A
Overdraft Privilege Limit2 $1,000
Miscellaneous 25% off any size safe deposit box.

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First Club 55 Plus1,3

 

Minimum Balance to Open $100
Minimum Balance to Avoid Fees $500
Monthly Service Fee/Charge $5 membership fee. $7 service charge.
Fee Per Item N/A
Overdraft Privilege Limit2 $1,000
Miscellaneous 25% off any size safe deposit box.

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Thrifty Account

 

Minimum Balance to Open $100
Minimum Balance to Avoid Fees N/A
Monthly Service Fee/Charge $2.50
Fee Per Item .75 per item over 10.
Overdraft Privilege Limit2 $800
Miscellaneous N/A

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Community Investment NOW1,3

Minimum Balance to Open $100
Minimum Balance to Avoid Fees $1,000
Monthly Service Fee/Charge $15
Fee Per Item N/A
Overdraft Privilege Limit2 $1,000
Miscellaneous Unlimited check writing.

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Community Tiered Money Market

Minimum Balance to Open $100
Minimum Balance to Avoid Fees $2,500
Monthly Service Fee/Charge $15
Fee Per Item Max 6 not-in-person
payments/withdrawals.
$20 per transaction fee
in excess of 6 during a
statement cycle.
Overdraft Privilege Limit2 N/A
Miscellaneous Unlimited free bank stock checks

 

 

1 Subaccount Organization. We have organized your account in a nontraditional way. Your account consists of two subaccounts. One of these accounts is a transaction subaccount (e.g., a checking subaccount). You will transact business on this subaccount. The other is a nontransaction subaccount (e.g., a savings account). You cannot directly access the nontransaction subaccount, but you agree that we may automatically, and without a specific request from you, initiate individual transfers of funds between subaccounts from time to time at no cost to you. This account organization will not change the amount of federal deposit insurance available to you, your available balance, the information on your periodic statements, or the interest calculation, if this is an interest-bearing account. You will not see any difference between the way your account operates and the way a traditionally organized account operates, but this organization makes us more efficient and helps to keep costs down. 2 You will be charged our $30.00 paid item fee for each overdrawn item created by check, a teller withdrawal, an automatic payment (ACH) transaction or recurring VISA® check card payment. All negative balances must be brought positive within 30 days. Bank reserves the right not to pay item(s) if an account is not kept in good standing. Alternatives to cover overdrafts include a link to your savings account or a line of credit. If you have any questions, please call the bank at 1-866-552-6668 for details. Also, if you request us to do so, we may authorize and cover ATM transfers or withdrawals and everyday VISA® check card purchases. 3 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 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. 4 Excludes ATM transactions

 

 

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