Checking Accounts

ACCOUNT TYPE	AVG. MONTHLY AVAIL. BALANCE		MONTHLY MAINTENANCE	INTEREST	PENALTY	MISCELLANEOUS
Personal Checking Accounts	Over	$500	No Maintenance Fee	No	$10 service charge if account is closed within 6 months.
Personal Checking Accounts	Under	$500	$10 monthly maintenance fee and $0.50 per debit item	No	$10 service charge if account is closed within 6 months.
Personal Money Market Accounts	Over	$1,000	No Maintenance Fee	Yes, credited monthly. Special rates for collected balance over $15,000 and $25,000	$25 service charge if account is closed within 6 months.	Limited to 6 pre-authorized transfers per month, including checks. $1 charge for each additional transfer.
Personal Money Market Accounts	Under	$1,000	$10 monthly maintenance fee and $0.50 per debit item		$25 service charge if account is closed within 6 months.
Personal NOW Accounts	Over	$1,000	No Maintenance Fee	Yes Credited Monthly	$10 service charge if account is closed within 6 months.	No restriction on number of checks issued per month.
Personal NOW Accounts	Under	$1,000	$10 monthly maintenance fee and $0.50 per debit item	Yes Credited Monthly	$10 service charge if account is closed within 6 months.	No restriction on number of checks issued per month.
Basic Banking Accounts	Min.	$0.01	$3.00 monthly maintenance fee	No	$10 service charge if account is closed within 6 months.	12 free checks / withdrawals per month. If over, $0.50 per item. Minimum account opening deposit of $25.