Free Personal Checking

• No minimum balance.
• You will be charged a $2.00 fee by this bank for using another institutions ATM.
• A dormant service charge of $5.00 per month will be charged when the balance in the account is below $50.00 and has had no activity in 365 days.

Now Account

• Your interest rate and annual percentage yield are based on the balance in your account. Refer to Current Rate Sheet or contact your local branch for interest rates and annual percentage yields.
• Rates are determined at the discretion of the bank management. We may change the rate in your account at any time.
• Interest will be compounded daily and credited to your account every month. If you close your account before interest is credited, you will not receive the accrued interest.
• If the balance falls below $2500.00 at any time during the statement cycle no interest will be paid for those days. $2500.00 and over please refer to the Current Rate Sheet or call your local branch. Rates within these tiers may change at any time.
• 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)
• You will be charged a $2.00 fee by this bank for using another institutions ATM.
• A dormant service charge of $5.00 per month will be charged when the balance in the account is below $50.00 and has had no activity in 365 days.

Money Market Checking

• Your interest rate and annual percentage yield are based on the balance in your account. Refer to our Current Rate Sheet or contact your local branch for interest rates and annual percentage yields.
• Rates are determined at the discretion of the bank management. We may change the rate on your account at any time.
  Interest will be compounded daily and credited to your account every month. If you close your account before interest is credited, you will not receive the accrued interest.
• If the balance in the account falls below $5000.00 any day of the statement cycle, no interest will be paid for those days in that statement cycle. A service charge of $6.00 per month will be charged if your balance falls below $5000 any day of statement cycle. Refer to our Current Rate Sheet or call your local branch for interest rates.
• 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)
• You will be charged a $2.00 fee by this bank for using another institutions ATM.

Golden Money Market

• Your interest rate and annual percentage yield are based on the balance in your account. Refer to our Current Rate Sheet or contact your local branch for interest rates and annual percentage yields. We may change the interest rate on your account at any time.
• Rates are determined at the discretion of the bank management. We may change the rate in your account at any time.
  Interest will be compounded daily and credited to your account every month. If you close your account before interest is credited, you will not receive the accrued interest.
• A service charge of $6.00 per month will be charged if your balance falls below $10,000 any day of statement cycle. If the balance falls below $10,000.00 at any time during the statement cycle no interest will be paid for those days. $0-$9,999 no interest received. $10,000- $74,999, $75,000 and over; refer to Current Rate Sheet or contact your local branch.
• 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)
• You will be charged a $2.00 fee by this bank for using another institutions ATM.