PERSONAL ACCOUNTS*

BASIC PERSONAL CHECKING is a non-interest bearing, low activity checking account that allows ten debits and fifty deposit and deposit items per statement cycle. Three dollars per statement cycle and fifty cents for each debit item over ten is charged per statement cycle.  There are no minimum balance requirements for this account.

PERSONAL CHECKING is a non-interest bearing checking account that allows unlimited debits and deposits.  With a minimum daily balance of $800 per statement cycle there is no service charge.  If the minimum daily balance falls below $800 per statement cycle, there is a $10 service charge. 

RELATIONSHIP CHECKING is an interest bearing checking account offering bank
stock checks, money orders, traveler and cashier’s checks at no charge. Minimum combined balances of fifteen thousand dollars in relationship checking, savings, interest checking or money market required. Variable interest paid on daily collected balance. A service fee of $12.00 will be charged per statement cycle if combined balances fall below $15,000.

PERSONAL INTEREST CHECKING is an interest bearing checking account that allows unlimited debits and deposits.  The variable interest rate is paid on tiered daily collected balances with a $2,500 minimum.  Service fee of  $12.00 dollars per statement cycle implemented if balance drops below $2,500.

PERSONAL MONEY MARKET ACCOUNT is a multi-tiered investment account paying a variable interest rate on a minimum daily collected balance of $2,500. A maximum of six debit items per statement cycle is allowed. Service fee of $15.00 per statement cycle is implemented if the daily collected balance falls below $2,500 and no interest is paid. Ten dollars is charged for each debit item over six (6).

PERSONAL SAVINGS pays a variable interest that is compounded quarterly and paid quarterly on the average daily ledger balance. Account allows for unlimited deposits and six (6) withdrawals per quarter (over six $2.00 each). If the daily ledger balance falls below $300, there is a $3.00 per month charge.

*Debit items include checks, ATM and Visa Check Card transactions, paper and electronic withdrawals.  Account statements include imaged checks. Six dollars refunded per statement cycle for ATM transactions.  Call Customer Service at 214-841-9800 for a Personal Schedule of Services and Fees.

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