Online Banking

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Personal Checking Account Plans
Features Worry Free Centennial Money Market Heritage Club
Minimum deposit to open None None $1,000 $5,000 combined deposits
Interest bearing  
Monthly service charge None $10 if min. balance of $500 not maintained $10 if min. balance not maintained None
Monthly checks written without fee Unlimited Unlimited 6 Unlimited
Age requirement       50+ years
Free ATM or Debit Card
Free Online Banking
Free Online Bill Pay
Free Mobile Banking
Online bank statements
(e-Docs)
Free standard check blanks    
Eligible for Heritage Club certificate of deposit rates      
Safe deposit box rental discount      
Free money orders      
Free copying service      
Free notary service      
Free stop payment orders      
Free fax service      
ATM fee reimbursement      
Ready Reserve Line of Credit

Ready Reserve Line of Credit

You can avoid overdrafts on any of the above accounts, other than a Money Market, by joining the account with a Ready Reserve Line of Credit. Funds are automatically transferred to the checking account from the Ready Reserve Line of Credit to cover checks when there are insufficient funds in the checking account. Ready Reserve Lines of credit are available from $100 to $7,000 to qualified individuals. There is not an annual fee for the Ready Reserve Line of Credit and interest is paid on the outstanding balance. Advances are made in increments of $100 with a $2 fee assessed per advance.