Personal Accounts

Personal Checking Accounts

Basic Checking Account

  • Open with $200.00
  • Unlimited check writing privileges
  • Daily balance $600 or more—no monthly service charge
  • Daily balance under $600—$6.00 service charge per statement cycle
  • ATM Monthly Fee—$1.00 per statement cycle; per account
  • Eligible for "overdraft protection"

Free Checking

  • Open with $100.00
  • No monthly service charge
  • No minimum balance required
  • Unlimited check writing privileges
  • Images not returned in statement
  • ATM Monthly Fee—$1.00 per statement cycle; per account
  • Eligible for "overdraft protection"

First One Club (For Senior Adults 55+)

  • Open with $100.00
  • No minimum balance required
  • No monthly service charge
  • Unlimited check writing privileges
  • Eligible for "overdraft protection"
  • FREE - First Check Order (Bank Stock Wallet Checks only)
  • FREE - One Box of Bank Stock Wallet Checks Per Year
  • FREE - On-Line Banking
  • FREE - 24 Hour Money Line
  • FREE - Money Orders & Cashier’s Checks (Limit 5 per month combined)
  • FREE - Travelers Checks
  • FREE - Copy and FAX Service
  • Bill Pay options - $4.25 monthly
  • Limit one account per household

First Response Account (NEW! For all active duty law enforcement officers, firefighters, military personnel and first responders) 

  • Open with $1.00
  • No Monthly Service Charge
  • No Minimum Balance Requirement
  • Unlimited Check Writing Privileges
  • Eligible for “Overdraft Protection”
  • CT100 Auto Debit
  • FREE Debit Card with Fraud Watch Protection
  • FREE Online Banking
  • FREE Online Bill Pay
  • FREE Checks (Bank Stock – Limit one box of checks per year)
  • FREE Cashier’s Checks and Money Orders
  • FREE 24-hour Money-Line Access

SuperNow Checking Account

  • Open with $200.00
  • Unlimited check writing privileges
  • Interest rate paid per statement cycle on daily balances of $1,000.00 or more
  • Higher balances subject to higher rates
  • Interest rates subject to change daily
  • No monthly service charge for daily balance of at least $1,500.00 ($3,000.00 average daily balance)
  • Under $1,500.00 daily balance or under $3,000.00 average daily balance the service charge will be $10.00 per statement cycle
  • ATM Monthly Fee—$1.00 per statement cycle; per account
  • Eligible for "overdraft protection"

Money Market Savings

  • Open with $1,000.00
  • Interest rate paid per statement cycle on daily balances of $1,000.00 or more
  • Higher balances subject to higher rates
  • Interest rates subject to change daily
  • No monthly service charge for daily balance of at least $2,500.00 ($5,000.00 average daily balance)
  • Under $2,500 daily balance or under $5,000.00 average daily balance the service charge will be $10.00 per statement cycle
  • Limited to six pre-authorized withdrawals and/or transfers or a combination thereof which can be to third parties per statement cycle
  • $5.00 fee charged per withdrawal over the maximum each statement cycle
  • ATM Monthly Fee—$1.00 per statement cycle; per account

Personal Savings Accounts

Regular Savings Accounts

  • Open with $200.00
  • No monthly service charge for ledger balance of $100 or more
  • Under $100 ledger balance $2.00 service charge per calendar quarter
  • Limited to 9 free withdrawals per calendar quarter; $1.00 each thereafter
  • Interest paid each calendar quarter at market rate
  • Statement of activity mailed each calendar quarter
  • Statement of EFT/ACH activity mailed each calendar month

Other Services

Certificates of Deposits

  • Terms vary from 30 days to 60 months
  • Rates subject to change daily
  • IRAs (Individual Retirement Account)—for regulations see IRA personnel
  • IRA transfer/documentation fee…$49.95

Overdraft Protection

  • Please contact a customer service representative for complete details.

Overdraft Coverage

  • Transfers between accounts to cover insufficient checks, $5.00 per transfer
  • Restricted to 6 pre-authorized transfers per statement cycle if transferring from savings or money market accounts

ATM/Visa® Check Card

  • Dollar limit per business day or weekend for both ATM and VISA Check Card…$750.00
  • On premise—ATM Transactions…Free
  • On premise inquiry…Free
  • Off premise transaction…$1.00
  • Off premise inquiry…50¢
  • Card replacement…$9.95
  • Re-issue of personal identification code each time…$1.00
  • Point of sale purchase…Free
  • Monthly Fee...$1.00 - per statement cycle; per account

24 Hour Moneyline
(817) 295-7603

  • Verify the last date and amount of your payroll deposit.
  • Make account balance inquires…Free
  • Determine the last five transactions on your account
  • Verify social security deposits as well as other electronic funds or ATM transactions
  • Verify interest paid and earned information during tax time
  • Transfer between accounts…Free