Checking Accounts

State Club Checking Account

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CareFree Checking Account

• No minimum balance to open and avoid fees
• No per item fee
• No maintenance fee
• Unlimited check writing
• Check Safekeeping required
• Overdraft Transfer Protection available
• Debit card available

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Personal Checking Account

• $90 minimum balance to open and avoid fees
• Unlimited check writing
• Debit card available
• Overdraft Transfer Protection available
• 15¢ service charge/debit charge fee if balance falls below the $90 minimum balance anytime during statement cycle
• $3 service charge flat fee if balance falls below the $90 minimum balance anytime during the statement cycle
• No minimum balance required for Senior Citizens (age 62) to open or avoid fees
• Check Safekeeping (unless otherwise requested)

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NOW Checking Account

• $175 minimum balance to open and avoid fees
• Interest bearing-variable rate (rates)
• Unlimited check writing
• Debit card available
• Overdraft Transfer Protection available
• 15¢ service charge for each debit if balance falls below the $175 minimum balance anytime during the statement cycle
• $5 service charge if balance falls below the $175 minimum balance anytime during the statement cycle
• Check Safekeeping (unless otherwise requested)

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Money Market

• $1,000 minimum balance to open and avoid fees
• Interest bearing-variable rate (rates)
• Free cashiers checks
• Free money orders
• No debit card available
• Limited to 6 debits per statement cycle
• 25¢ service charge/debit charge for each debit in excess of 6 per statement cycle
• $5 service charge monthly fee if balance falls below the $1,000 minimum balance anytime during the statement cycle
• Check Safekeeping (unless otherwise requested)

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High Yield Money Market

• $25,000 minimum balance to open and avoid fees
• $10 sevice charge-flat service charge if balance falls below the $25,000 minimum balance anytime during the statement cycle
• Limited to 6 debits per statement cycle
• $1 charge per debit for each debit in excess of 6 per statement cycle
• If balance falls below the $25,000 minimum balance anytime during the statement cycle, the account will earn our regular Money Market rate based on the average balance of the account for that account cycle
• Interest rate should not be less than 90% of latest 90 day T-Bill rate (rates)
• No debit card available

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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 does not include other accounts, such as traditional checking or demand deposit accounts that may earn interest, NOW accounts, money-market deposit accounts, and Interest of Lawyers Trust Accounts ("IOLTAs").

For more information about temporary FDIC insurance coverage of transaction accounts, visit www.fdic.gov.