Personal Checking Accounts

E-Value Checking Account

A basic checking account for those who do not write many checks each month. Minimum balance to open is $50.00. You must agree to Internet Banking and receiving Online Statements with imaged checks. A per debit fee of $.25 will be charged for each debit transaction (withdrawal, check paid, automatic transfer or payment out of this account) in excess of 25 during a statement cycle. A monthly service charge of $5.00 will be imposed every statement cycle that does not have Internet Banking usage at least once during the cycle. This account features 24 Hour Phone Access and Internet Banking. Optional features include an ATM/Visa Check Card available for a $5.00 sign up fee and Bill Pay available for a $5.00 activation fee plus monthly fees.

E-Plus Checking Account

This account allows you to do as many transactions as you would like all the while maintaining a balance of $100.00 To open this account, an initial deposit of $100.00 is required. You must agree to Internet Banking and receiving Online Statements with imaged checks. A monthly maintenance fee of $7.00 will be imposed every statement cycle if the balance in the account falls below $100.00 any day of the cycle. A monthly service charge of $5.00 will be imposed every statement cycle that does not have Internet Banking usage at least once during the cycle. This account features an ATM/Visa Check Card, 24 Hour Phone Access and Internet Banking. Bill Pay is available for a $5.00 activation fee plus monthly fees.

Senior Checking Account

(Over 60 years of age)

To open this account, a deposit of $100.00 is required. A monthly maintenance fee of $7.00* will be imposed every statement cycle if the balance in the account falls below $100.00 any day of the cycle. Imaged checks will be returned with your monthly paper statement. This account features 24 Hour Phone Access, ATM/Visa Check Card and Internet Banking. Bill Pay is available for a $5.00 activation fee plus monthly fees.

*If you choose to have Internet Banking and receive Online Statements, the minimum balance service charge will be waived.

E-Preferred NOW Checking Account

Enjoy the wonders of technology while earning a higher rate of interest. By agreeing to Internet Banking and Online Statements you will receive a higher interest rate then the regular Preferred NOW Checking Account. The interest is based on two tiers; a $500 - $2,499 balance earning the Tier 1 interest rate, and a balance of $2,500 or above will earn the Tier 2 interest rate. Interest will be compounded and credited to your account every month. Your interest rate and annual percentage yield may vary and can be changed at any time. A $500.00 minimum deposit is required to open this account, and a monthly maintenance fee of $10.00 will be imposed every statement cycle if the balance in the account falls below $500.00 any day of the cycle. You must maintain a minimum balance of $500.00 in the account each day to obtain the disclosed annual percentage yield. A monthly service charge of $5.00 will be imposed every statement cycle that does not have Internet Banking usage at least once during the cycle. This account features 24 Hour Phone Access, ATM/Visa Check Card and Internet Banking. Bill Pay is available for a $5.00 activation fee plus monthly fees.

Preferred NOW Checking Account

This account is for those of you who would like to earn interest, but don’t have the desire to use Internet Banking and Online Statements. Your interest rate and annual percentage yield may vary and can be changed at any time. The interest is based on two tiers; a $500 - $2,499 balance earning the Tier 1 interest rate and a balance of $2,500 or above will earn the Tier 2 interest rate. Interest will be compounded and credited to your account every month. A $500.00 minimum deposit is required to open this account, and a monthly maintenance fee of $10.00 will be imposed every statement cycle if the balance in the account falls below $500.00 any day of the cycle. You must maintain a minimum balance of $500.00 in the account each day to obtain the disclosed annual percentage yield. Imaged checks will be returned with your monthly statement. This account features 24 Hour Phone Access, ATM/Visa Check Card, and Internet Banking. Bill Pay is available for a $5.00 activation fee plus monthly fees.

E-Money Market Accounts

This account offers the best of both, state of the art technology and competitive interest rates. You must agree to Internet Banking and receiving Online Statements with imaged checks. This is an interest bearing account that requires an initial deposit of $2,500.00. To avoid a monthly maintenance fee of $15.00, the balance on this account must remain above $2,500.00 every day of the cycle. A monthly service charge of $5.00 will be imposed every statement cycle that does not have Internet Banking usage at least once during the statement cycle. This account features 24 Hour Phone Access and Internet Banking.

• First Tier - you must maintain a minimum balance of $2,500.00 to $9,999.99 in the account each day to obtain the disclosed annual percentage yield
• Second Tier - you must maintain a minimum balance of $10,000.00 to $24,999.99 in the account each day to obtain the disclosed annual percentage yield.
• Third Tier - you must maintain a minimum balance of $25,000.00 to $49,999.99 in the account each day to obtain the disclosed annual percentage yield.
• Forth Tier - you must maintain a minimum balance of $50,000.00 or more in the account each day to obtain the disclosed annual percentage yield.

There are transaction limitations. Transfers from a Money Market account to another account or to third parties by preauthorized, automatic, or telephone transfer are limited to six per statement cycle with no more than three by check, draft or similar order to third parties. An excess transaction fee of $5.00 will be charged for each debit transaction in excess of the above limitations.

Money Market Accounts

For those of you who want interest without the Internet requirements this account should suit your needs. An initial deposit of $2,500.00 is required to open this account. To avoid a monthly maintenance fee of $15.00, the balance on this account must remain above $2,500.00 every day of the statement cycle. Imaged checks will be returned monthly with your statement. This account features 24 Hour Phone Access and Internet Banking.

• First Tier - you must maintain a minimum balance of $2,500.00 to $9,999.99 in the account each day to obtain the disclosed annual percentage yield
• Second Tier - you must maintain a minimum balance of $10,000.00 to $24,999.99 in the account each day to obtain the disclosed annual percentage yield.
• Third Tier - you must maintain a minimum balance of $25,000.00 to $49,999.99 in the account each day to obtain the disclosed annual percentage yield.
• Forth Tier - you must maintain a minimum balance of $50,000.00 or more in the account each day to obtain the disclosed annual percentage yield.

There are transaction limitations. Transfers from a Money Market account to another account or to third parties by preauthorized, automatic, or telephone transfer are limited to six per statement cycle with no more than three by check, draft or similar order to third parties. An excess transaction fee of $5.00 will be charged for each debit transaction in excess of the above limitations.

*A professional record binder or folder accompanies all of the above accounts.