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Personal Checking

Standard Checking

Our Standard Checking account is a basic account with unlimited check writing privileges and ATM/Check Card transactions. It is best suited for consumers who write several checks during a monthly period.

There are no per check charges. Monthly maintenance charges are waived for senior citizens and full-time students. This account can be tied to a State Bank Check Card. There is no minimum balance requirement.

There is a $9.00 monthly maintenance fee with ledger balance of less than $800.00. No monthly maintenance fee with $800.00 or higher minimum ledger balance.


Budget Checking

Our Budget Checking account is a basic account with limited check writing privileges and unlimited ATM/Check Card transactions. It is best suited for consumers who do not write many checks but prefer to use ATM and/or Check Card to conduct their transactions.

This account features a low monthly maintenance fee with no minimum balance required. A $3.75 monthly maintenance fee will be charged with a ledger balance of less than $800.00 plus $0.50 per check (paper withdrawal) after 10 withdrawals for each statement period. There is no monthly maintenance fee with $800.00 or higher minimum ledger balance plus $0.50 per check (paper withdrawal) after 10 withdrawals for each statement period.


Personal N.O.W. Account

Our Personal N.O.W. account is an interest bearing account with unlimited check writing privileges and ATM/Check Card transactions. It is best suited for consumers who want to earn interest income on their money while still maintaining access to their funds.

Interest is paid on a monthly basis. $1,000.00 minimum balance required to open account. $500.00 minimum balance required to earn interest. There is no monthly maintenance fee with $1000.00 or higher minimum ledger balance. There is a $10.00 monthly maintenance fee if balance falls below $1,000.00.

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Personal I.M.M.A. (Insured Money Market Account)

Our Personal I.M.M.A. is an interest bearing account with limited check writing privileges and limited ATM/Check Card transactions. Six preauthorized withdrawals allowed per statement period. It is best suited for consumers who want to earn interest income on their money while still maintaining access to their funds.

This account earns a higher rate of interest than a N.O.W. account. A $2,500.00 minimum balance is required. There is no monthly maintenance fee with $2500.00 or higher minimum ledger balance. A $10.00 monthly maintenance fee will be charged if the minimum ledger balance falls below $2500.00. There is also a $10.00 excessive withdrawal fee.

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Money Max Accounts

Money Max is a checking and savings account package providing a checking account with no monthly maintenance fee and a savings account earning better than market rate interest. It is best suited for consumers who want to maximize their earnings potential while maintaining access to their funds.

It features no monthly maintenance fee on the checking account. Accounts may be linked to provide overdraft protection. A $2500.00 minimum balance is required in the Money Max savings account. There is a $5.00 monthly fee if minimum savings balance is less than $2500.00. There is a limit of six preauthorized withdrawals (including overdraft protection transfers) allowed per statement period. There is a $2.00 service fee per savings withdrawal or transfer after three per month. If the savings balance remains below $2500.00 for a 90 day period, both accounts are converted to standard accounts.

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Sweep Account

A Sweep Account is a regular checking account with a savings feature. The customer sets daily maximum and minimum balances. When the checking account balance falls outside that range, the excess is “swept” into or out of an interest bearing account. It is best suited for commercial customers and consumers who have deposit balances that vary greatly and want to earn interest on their excess short-term deposits.

Automatic transfer is based on pre-determined minimum and maximum balances. There are no transfer fees and no setup fees. The interest bearing portion of the account earns interest. Regular checking account fees apply. No additional fees are incurred for the “Sweep feature.” There is a limit of six preauthorized withdrawals (including overdraft protection transfers) allowed per statement period.

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