Regular Checking Account

Balance Requirements

Initial Deposit Requirement	$250.00
With a Minimum Daily Balance of $750.00 or an Average Daily Balance of $1,500.00 during the Monthly Statement Cycle	No Monthly Service Fee
Monthly Service Fee if Balance falls below Required Minimums	$10.00

  Account Information

Overdraft Privilege Available*

ATM Card and VISA Card Available*

Overdraft Privilege Service Description

A Discretionary Overdraft Service

A non-sufficient funds (negative) balance may result from the payment of checks, electronic funds transfers, ATM/Debit Card withdrawals or other withdrawal requests.

We are not obligated to pay any item presented for payment if your account does not contain sufficient collected funds. The Overdraft Privilege Service does not constitute an actual or implied agreement between you and the Bank. Nor does it constitute an actual or implied obligation of or by the Bank. This service represents a purely discretionary courtesy or privilege that the Bank may provide to you from time to time and which may be withdrawn or withheld by us at any time without prior notice or reason or cause. You must bring the account to a positive balance (not overdrawn) at least once every (30) days.

We may refuse to pay an overdraft for you at any time, even though your account is in good standing and even though we may have previously paid overdrafts for you. You will be notified by mail of any non-sufficient funds items paid or returned that you may have; however, we have no obligation to notify you before we pay or return any item. The amount of any overdrafts plus our Non-Sufficient Funds and/or Overdraft (NSF/OD) Charge(s) of $25.00 per item that you owe us shall be due and payable on demand.

*Restrictions and Fees Apply