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Truth In Savings

Relationship Checking Account Truth in Savings Disclosure


 

Minimum Balance Requirements

  • There is no minimum deposit amount required to open this noninterest-bearing account.
  • A minimum balance fee of $5.00 will be imposed every month if the balance in the account falls below $200 any day of the monthly statement cycle period. This fee is waived, however, if you maintain $1,000 in a combination of either a Savings Account(s); Certificate(s) of Deposit; and/or, a Money Market Account.
  • Direct deposit required as a periodic deposit transaction.

Transaction Limitations

  • You may make unlimited deposits into or withdrawals from your account each month. 

Service Fees

The following fees may be assessed against your account:

Stop Payments (per item) $35.00
*Overdrafts (per item paid or returned) $40.00
Deposit Item Chargeback (per item) $15.00
Research (per hour/minimum $30) $30.00
Escheat Processing $100.00
Overdraft Protection Transfers (per occurrence) $10.00
Dormant Account (per month after one year) $5.00
Early Account Closure (within 180 days of opening) $30.00
Foreign ATM Cash Withdrawals Free
Check printing fees vary based upon the check style selected.  

* The overdraft fee applies to overdrafts created by in person withdrawal or electronic means as applicable. The fee is assessed on only the first six overdraft items per day.

Additional Account Information

  • Accounts at a zero balance for 45 days will be permanently closed. 

The Relationship Checking Account provides the following customer privileges:

  • Certificate of Deposit (CD) Bonus Rate - Earn an additional 0.25% on new regular or IRA CDs or ones being renewed. Promotional CDs, both regular and IRA ones, do not qualify for the bonus rate. 
  • Loan Bonus – Earn a discount of 0.25% on non-revolving consumer loans and on in-house residential mortgage loans when the loan payment is automatically deducted from this account. Plus, $100 off fees at the time of closing for home equity consumer loans and lines; and residential mortgage loans.
  • Unlimited check writing, with no transaction or per item fees.
  • Free Online Banking
  • Free Online Bill Pay & Presentment
  • Free Debit Card
  • Free Telephone Banking

Member FDIC