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Personal Checking and Money Market Accounts
No matter how much money you have to manage, taking good care of it is the most important thing.
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Free
Advantage
Checking |
Personal
Interest
Checking |
Personal
Money
Market (1) |
Neighborhood
Advantage
Checking |
Neighborhood
Advantage
Money Market (1) |
| Minimum to Open |
$25.00 |
$50.00 |
$250.00 |
$100 |
$100 |
| Minimum Balance |
$0 |
$1000 (daily) |
$2500 |
$5000 (combined balance
of checking, saving and
money market) |
|
| Monthly Fee |
$0 |
$10 (waived if daily balance
stays above $1000) |
$10 (waived if daily balance
stays above $2500) |
$15 (waived if combined
daily balance stays
above $5000) |
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| Free Online Banking & Bill Pay |
Yes |
Yes |
Yes |
Yes |
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| Bank by Phone |
Yes |
Yes |
Yes |
Yes |
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Overdraft Protection (2)
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Yes |
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Yes |
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| ATM or Visa/Debit Card |
Yes |
Yes |
Yes |
Yes |
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| Additional Free Services |
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- Free ATM transactions at any bank, anywhere
- Free Treasurer's checks
- Free first standard check order or $10 off other styles
- Free notary Services
- Preferred rates on Loans
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Restrictions |
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Must be linked to
Neighborhood Advantage
Checking |
(1) Money Market and Statement Savings accounts are limited to six transactions per statement
period with no more than three by check to avoid the $10.00 per month transaction fee.
(2) When linked to a Money Market or Statement Savings Account (see (1) above) or an
approved line of credit. Fees may apply.
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NOTICE OF EXPIRATION OF THE TEMPORARY FULL FDIC
INSURANCE COVERAGE
FOR NONINTEREST-BEARING TRANSACTION ACCOUNTS
By operation of federal law, beginning January 1, 2013,
funds deposited in a noninterest-bearing transaction account (including an
Interest on Lawyer Trust Account) no longer will receive unlimited deposit
insurance coverage by the Federal Deposit Insurance Corporation (FDIC).
Beginning January 1, 2013, all of a depositor’s accounts at an insured
depository institution, including all noninterest-bearing transaction
accounts, will be insured by the FDIC up to the standard maximum deposit
insurance amount ($250,000), for each deposit insurance ownership
category.
For more information about FDIC insurance coverage of noninterest-bearing
transaction accounts, visit
www.fdic.gov.
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