Checking Accounts
Non-Interest Bearing

• We recommend that the customer order their checks through us. The prices of checks vary and are subject to change.

Regular Personal Checking

• No charge if average balance is $1,500 or greater
• No charge if minimum balance is $750 or greater
• $.00 for each debit 1 to 25
• $.15 for each debit greater than 25
• $2.00 service charge if minimum balance is $350 to $749.99
• $4.00 service charge if minimum balance is $349.99 or less
• Account does not pay interest

You must deposit $100.00 to open this account.

Student Accounts

• $.00 service charge per month
• Unlimited activity
• First 50 checks are free
• Account does not pay interest

You must deposit $100.00 to open this account.

Business Accounts

• $10.00 service charge per month
• $.10 per each debit
• $.10 per each credit
• $.25 credit for each $200.00 maintained balance
• Account does not pay interest

You must deposit $100.00 to open this account.

Checking Accounts
Interest Bearing

Super NOW Accounts

• Competitive rate (subject to weekly change) on balance of $2,500 or more
• Rate is less if balance drops below $2,500, but not less than $1,200
• No interest paid on days that balance is under $1,200
• $7.00 service charge if minimum balance is less than $1,200 in statement cycle
• Interest is calculated daily and credited to the account at the end of the statement cycle
• If you close your account before interest is credited, you will not receive the accrued interest

You must deposit $100.00 to open this account.

Money Market Savings

• Competitive rate (subject to weekly change) on balance of $2,500 or more
• $10.00 service charge if balance drops below $2,500
• Limited to 6 pre-authorized withdraws or telephone transfers
• No interest paid on days that balance is under $2,500
• Interest is calculated daily and credited to the account at the end of the statement cycle
• If you close your account before interest is credited, you will not receive the accrued interest

You must deposit $100.00 to open this account.

Exchange Club Accounts

• One account holder must be age 55 or older and maintain a deposit relationship of $1,000 or more
• No fee for exchange club check design
• Unlimited activity
• No fee for cashier’s checks, notary services and ATM/Debit card
• Special financial seminars and other group activities, such as travel
• Discount on 1st year safe deposit box rent (1/2 of rental fee)

You must deposit $100.00 to open this account.

Diamond Accounts

• You must deposit $100.00 to open this account.
• $7.00 service charge if minimum balance is less than $100 in statement cycle.
• First Order of Personalized Checks at no charge
• Unlimited Checking
• Competitive rate (subject to weekly change) on balance of $1,000 or more
• Interest is calculated daily and credited to the account at the end of the statement cycle
• If you close your account before interest is credited, you will not receive the accrued interest.
• Up to $5,000 Identity Theft Expense Reimbursement Coverage¹
• Identity Theft Resolution Services
• Debit and Credit Card Registration (Registration/activation required)
• Travel and Leisure Discounts (Available online only)
• Cash Back Member Rewards. 10% cash back on everyday purchases, up to $40 per year, per account holder. (Registration/activation required. Additional terms and conditions may apply.)

Diamond Plus Accounts

• You must deposit $100.00 to open this account.
• No minimum balance required
• Personalized Checks at no charge
• Unlimited Checking
• Competitive rate (subject to weekly change) on balance
• Interest is calculated daily and credited to the account at the end of the statement cycle
• If you close your account before interest is credited, you will not receive the accrued interest.
• Identity Theft Protection² with Credit File Monitoring³
• Cellular Telephone Protection²
• Debit Advantage^{® 2} (Item(s) must be purchased entirely with eligible account.)
• Health Discount Savings. This is NOT insurance. (Registration/activation required).
• $hopping Rewards^TM (Registration/activation required. Available online only.)
• Travel and Leisure Discounts (Available online only.)
• Cash Back Member Rewards. 10% cash back on everyday purchases, up to $80 per year, per account holder. (Registration/activation required. Additional terms and conditions may apply.)
• $6.00 monthly service charge; $4.00 if over age 50

ATM or DEBIT cards available
upon application approval

¹Benefits are available to personal checking account owners and their joint account owners subject to the terms and conditions set forth in the Guide to Benefit and/or insurance documents for the applicable Benefits. Benefits are not available to a "signer" on the account who is not an account owner or to businesses, clubs, trusts, organizations, and/or churches and their members, or schools and their employees/students.

²Special Program Notes: The descriptions herein are summaries only and do not include all terms, conditions, and exclusions of the Benefits described. Please refer to the actual Guide to Benefit and/or insurance documents for complete details of coverage and exclusions. Coverage is provided through the company named in the guide to Benefit or on the certificate of insurance.

³Credit file monitoring may take several days to begin following activation.

Insurance Products are not insured by FDIC or any Federal Government Agency/Not a deposit of or guaranteed by the bank or any bank affiliate.

Additional Service Charges

Overdraft & Insufficient Funds…………$30.00 each
Account Transfers…………………$2.00 each
Stop Payments…………………………$30.00
Research ………………………………$30.00 1 hr minimum
Statement Copy …………………………$1.00
Special Statement………………………………$2.00
Dormant accounts over 2 years………$5.00 monthly
Savings account balance under $100.00………$7.00 monthly
Bond or Coupon Collection………………$10.00 each

Other Services

Safe Deposit Boxes

** Size available at St. Paul and Columbus Branch’s only Above pricing subject to change

Credit Card Application