| |
| |
NON-INTEREST BEARING PERSONAL CHECKING ACCOUNTS
Account Name |
Minimum balance to open the account |
Fee if balance falls below the minimum any day of the cycle |
Fees |
Account Provisions |
| Golden Age |
$100.00 |
N/A |
No Monthly Fees |
Must be 65 or older. |
| Basic Checking |
$100.00 |
$4.00 monthly fee
if balance falls
below $400.00 |
15¢ for each check
written in excess of 30 during a statement cycle. |
N/A |
| Student Checking |
$100.00 |
$4.00 monthly fee
if balance falls
below $100.00 |
15¢ for each check
written in excess of 30 during a statement cycle. |
Must be enrolled full time in a primary or secondary education program. Proof of student status, date of birth, name of school and anticipated graduation date required. Account will revert to a Basic Checking on anticipated graduation date. |
|
| Become a member of Hometown Advantage and take advantage of many benefits like Identity Watch®, Accidental Death Insurance, Prescription and Eyewear discounts plus many more. Click here for more details. |
| |
INTEREST BEARING PERSONAL CHECKING ACCOUNTS
Account Name |
Minimum balance to open the account |
Fee if balance falls below the minimum any day of the cycle |
Fees |
Account Provisions |
| Homeowners Choice |
$100.00 |
See Account Provisions |
Transaction fee of $5.00 if less than 10 debits per month. |
Mortgage Account Required. If no mortgage or if mortgage is paid off, a service charge of $6.00 will be imposed every statement cycle if the balance in the account falls below $550.00 any day of the cycle. |
| NOW Account |
$1,000.00 |
$6.00 monthly fee
if balance falls below $550.00 |
15¢ for each check
written in excess of 30 during a statement cycle. |
N/A |
| Prestige Checking |
$1,000.00 |
$10.00 monthly fee
if balance falls below $2,500.00 |
20¢ for each check
written in excess of 20 during a statement cycle. |
N/A |
| Classic Insured Money Market |
$1,000.00 |
$25.00 monthly fee
if balance falls below $1,000.00 |
An $8.00 fee will be charged for an excess of 6 transactions per statement cycle. Per item fee of $8.00 for each check written under $250.00. |
Transfers to another account or to third parties by preauthorized, automatic or telephone transfer are limited to six per month. Cannot be tied to an ATM or Debit Card. |
*The annual percentage yields are included in the Rate Chart. The interest rate and annual percentage yield may change at any time. Interest is compounded monthly and will be credited monthly. If the account is closed before interest is credited you will not receive the accrued interest. |
|
NOTICE OF CHANGES IN TEMPORARY FDIC INSURANCE
COVERAGE FOR TRANSACTION ACCOUNTS
All funds in a “noninterest-bearing transaction account” are insured in full by the Federal Deposit Insurance Corporation from December 31, 2010, through December 31, 2012. This temporary unlimited coverage is in addition to, and separate from, the coverage of at least $250,000 available to depositors under the FDIC's general deposit insurance rules. The term “noninterest-bearing transaction account” includes a traditional checking account or demand deposit account on which the insured depository institution pays no interest. It also includes Interest on Lawyers Trust Accounts (“IOLTAs”). It does not include other accounts, such as traditional checking or demand deposit accounts that may earn interest, NOW accounts, and money-market deposit accounts. For more information about temporary FDIC insurance coverage of transaction accounts, visit www.fdic.gov. |
|
|
