CHECKING ACCOUNTS                                                  

Hometown “Free” Checking

• $10 initial deposit required
• No minimum balance required
• No monthly service charge
• Unlimited check writing
• If account is active, a monthly statement will be sent by mail

NOW Checking

This is our interest bearing checking account.  Features include:

• A $1000 minimum initial deposit is required
• $500 balance is required to earn interest
• If a minimum balance of $1000 or an average collected balance of $2,500 is not maintained, a $10 per month service charge will be assessed
• Variable rates are tiered based on minimum daily collected balance
• Interest compounded and credited monthly
• Unlimited check writing
• We reserve the right to at any time require not less than 7 days written notice before any withdrawal
• If account is active, a monthly statement will be sent by mail
• Receiving check images with statement is optional and available upon request

Senior NOW Checking Account

• The customer must be 62 years of age or older
• A $10 initial deposit is required
• No monthly service charge
• No minimum balance required
• $500 balance is required to earn interest
• Variable rates are tiered based on daily collected balance
• Interest compounded and credited monthly
• One free box of basic checks per year
• Unlimited check writing
• We reserve the right to at any time require not less than 7 days written notice before any withdrawal
• If account is active, a monthly statement will be sent by mail
• Receiving check images with statement is optional and available upon request

Ready Reserve