Personal Checking Accounts

We will charge an NSF/Overdraft fee of $36 for each presentment that overdraws your account. We will not charge more than 6 NSF/Overdraft fees to your account in one business day. An NSF fee is a charge that is assessed when a presentment is returned by the bank due to insufficient funds in the account. An overdraft fee is a charge assessed when a presentment is paid by the bank on an account with insufficient funds. Standard overdraft practices apply when you have authorized us to pay, and we have agreed to pay checks and other transactions causing an overdraft through automatic bill payment and for checks and other transactions made using your account number. Whether your overdraft item will be paid is discretionary and we reserve the right not to pay. We will not authorize and pay overdrafts for ATM transactions or everyday debit card transactions unless you ask us to. Deposits are required within 45 days of an overdraft. If an overdraft is not paid in full within this period, your account is subject to close. See a Personal Banker for details on minimum balance requirements and monthly maintenance fees for all deposit accounts. (Schedule of fees)

1 Estatement Enrollment Required. If estatement enrollment is not completed within the first 30 day statement cycle the account will be changed to the Independent Plus Account which provides paper statements for a $2.00 service charge per statement cycle.  There is no monthly service charge for estatements. If account is moved to the Independent Plus Account a $7.00 per statement cycle service charge applies unless you meet one of the following requirements: Maintain a daily minimum balance of $1,500 or more; Receive at least $500 in direct deposits during the statement cycle; OR Have a minimum of 5 non-ATM debit card transactions post to your account during the statement cycle.

2. $2.00 Service charge per statement cycle will be charged for paper statements.  There is no monthly service charge for estatements.

3. An NSF/Overdraft fee will not be charged to an account if the ending daily balance in the account is overdrawn by $5.00 or less.

4. For Value Account Only: Personal Checks and counter checks will not be provided for this account. Overdraft proctection and NSF services will not be provided for this account.

5. For Independent Interest Checking only: The interest rate and annual percentage yield for Independent Interest Checking is variable and will depend upon the applicable rate tier (See below). The interest rate and annual percentage yield for these tiers may change at our discretion. Interest will be compounded and added back to principal each statement cycle. We use the daily balance method to calculate the interest on your account. This method applies a daily periodic rate to the principal in the account each day. Interest begins to accrue on the business day you deposit non-cash items (for example, checks).

If you close your account before the interest is credited, you will receive the accrued interest.

Tiered Rate Disclosure - Effective as of 2/11/25 
If your daily balance is $9,999.99 or less, the interest rate paid on the entire balance will be 0.05% with an annual percentage yield of 0.05%.
If your daily balance is more than $9,999.99, but less than $25,000, the interest rate paid on the entire balance in your account will be 0.05% with an annual percentage yield of 0.05%.
If your daily balance is more than $24,999.99, but less than $50,000, the interest rate paid on the entire balance in your account will be 0.05% with an annual percentage yield of 0.05%
If your daily balance is more than $49,999.99, but less than $100,000, the interest rate paid on the entire balance in your account will be 0.05% with an annual percentage yield of 0.05%.
If your daily balance is $100,000 or more, the interest rate paid on the entire balance in your account will be 0.05% with an annual percentage yield of 0.05%.

6. See account information below for details.