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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
- Eligible for "overdraft protection"
Free Checking
- Open with $100.00
- No monthly service charge
- No minimum balance required
- Unlimited check writing privileges
- Checks not returned in statement
- ATM Monthly Fee—$1.00 per statement cycle
- Eligible for "overdraft protection"
Budget Checking
- Open with $100.00
- Only $3.00 service charge per statement cycle
- No minimum balance required
- No charge for first 12 withdrawals per statement cycle
- $.50 fee charged per withdrawal over maximum each statement cycle
- ATM Monthly Fee—$1.00 per statement
cycle
- 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 w/ Bill Pay Options
- FREE - 24 Hour Money Line
- FREE - Money Orders & Cashier’s Checks (Limit 5 per month combined)
- FREE - Travelers Checks
- FREE - Copy and FAX Service
- Limit one account per household
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 rates paid per statement cycle on daily balances
of $25,000.00 or more
- 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
- 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 rates paid per statement cycle on daily balances
of $10,000.00 or more
- 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 per statement
cycle, 3 of which can be checks to third parties
- $5.00 fee charged per withdrawal over the maximum each statement cycle
- ATM Monthly Fee—$1.00 per statement cycle
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…$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
24 Hour Moneyline
(817) 295-7603
- 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
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