Interest Checking

Consumer Checking: Interest Checking

Minimum Opening Balance:	$100.00
Statement Frequency:	Monthly
Service Charge:	Monthly maintenance fee of $8.00 waived if monthly daily balance greater than $500.00 or maintenance fee can be waived with a direct deposit to the account. Unlimited check writing.  No annual fee debit card.
Consumer Electronic Banking (CeB) and BillPay:	Included
Interest Bearing:	Earn interest on checking account balances with unlimited check writing privileges. No minimum balance requirement with direct deposit.

The interest rate and annual percentage yield may change at any time and at our discretion. Interest will be compounded monthly and will be credited to your account each statement cycle. If you close your account before interest is credited, you will receive the accrued interest.

Average Daily Balance Method. We use the average daily balance method to calculate the interest on your account. This method applies a periodic rate to the average daily balance in the account for the period. The average daily balance is calculated by adding the principal in the account for each day of the period and dividing that figure by the number of days in the period no later than the second business day after your deposit is made.