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Checking Fees & Services:
| Account Type |
Balance
to open
Account |
Monthly
Service
Fees |
Balance
Require
-ments |
Debit
Item
Fee |
Monthly
Debit/Star
Fee |
Check
Printing
Fee |
Fee
Waive
Conditions |
Included
Services
(no charge) |
| Free Checking ## | $25.00 | None | None | None | None | Depends on style | None | Online Banking/Bill Pay, $1,000 ID Protection | | SuperSmart Checking High Interest** | $25.00 | $8.00 | None | None | None | Free SuperSmart Checks - additional styles 50% off | Waived if debit card used 40 times within a statement cycle | Online Banking/Bill Pay, Gold Card, $2,500 ID Protection | | Campus Checking ## | $25.00 | None | None | None | None | No checks are offered with this type of account | None | Online Banking/Bill Pay, $1,000 ID Protection | | Club Gold Checking | $25.00 | $8.00 | None | None | None | Free Club Gold Checks - additional styles 50% off | None | Online Banking/Bill Pay, Gold Card, $5,000 ID Protection | | Smart Checking High Interest**## | $25.00 | None | None | None | None | Depends on style | None | Online Banking/Bill Pay, $2,500 ID Protection | | Fresh Start Checking | $50.00 | $10.00 - $9.00 set-up fee | None | N/A | 1.00 | Depends on style | None | Online Banking/Bill, $1,000 ID Protection |
Interest Information** Please request a Rate Sheet for the interest rates and annual percentage yields paid on these interest bearing accounts. The interest rates and annual percentage yields may change. At the Bank´s discretion, the Bank may change the interest rate and annual percentage yield daily. Interest begins to accrue on the business day you deposit non-cash items. (i.e. checks) Interest on your account will be compounded monthly and credited on your monthly statement. The Bank uses the daily balance method to calculate the interest on your account. Account fees may affect earnings.
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Account Balance Computation Methods The daily balance method applies a periodic rate to the full amount of principal in the account each day. The average daily balance method applies a periodic rate to the average balance in the account for the period. The average daily balance is calculated by adding the full amount of principal in the account for each day of the period and dividing that figure by the number of days in the period.
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## Bonus Banking Information These accounts have the ability to bump up to a "Bonus Banking" account that will give you added benefits at little cost. You will receive Free Bonus Checks, $100,000 Common Carrier Accidental Death Insurance, Travel & Entertainment Discounts off Local, State, and National vendors, Dining Savings, and Payment Card Protection/Personal ID Protection.
Please ask one of our Customer Service Representatives how you can start saving today!
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Call any of our branches for more information or with questions.
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