Checking

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Checking Chart of Accounts

Accounts Open Balance Min. Balance Monthly Fee Interest Free Checks
Regular $100 $750 $0 No No
$100 $350 - $749 $3.50 No No
$100 $0 - $349 $7.00 No No
NOW $100 $750 $7.50/if below min. bal. Yes No
Super NOW $100 $1,500 $7.50/if below min. bal. Yes No
Super First $100 $2,500 $7.50/if below min. bal. Yes No
Quality Club $100 $7.00 No Yes
Quality Club Now $100 $750 $7.00/$14.50 if below min bal Yes Yes
Quality Club Super Now $100 $1,500 $7.00/$14.50 if below min bal Yes Yes
Quality Club Family $100 $8.50 No Yes
First Class Club $100 $5.00 No Yes
First Class Club Interest Bearing Club $100 $2,500 $5.00/$12.50 /if below min. bal. Yes Yes
Senior Citizen $100 No No
Student Club $100 No 1st box
Health Savings Account $100 $2/if only account Yes Yes

Regular Checking

Minimum Balance Monthly Fee
$750.00 and Over No Monthly Fee
$350.00-$749.00 $3.50
$0.00-$349.00 $7.00
Unlimited check writing

NOW Checking

  • $100 minimum deposit to open account
  • Minimum balance of $750 or a $7.50 surcharge applies
  • Interest bearing
  • Unlimited check writing

Super NOW Checking

  • $100 minimum deposit to open account
  • Minimum balance of $1,500 or a $7.50 surcharge applies
  • Interest bearing
  • Unlimited check writing

Super First Checking

  • $100 minimum deposit to open account
  • Minimum balance of $2,500 or a $7.50 surcharge applies
  • Interest is tiered according to your balance on deposit
  • Under federal regulations, unlimited withdrawals if made in person, otherwise allowed up to 6 withdrawals per monthly statement cycle, including 3 by telephone or electronic transfer to third parties.

Quality Club Checking

  • $100 minimum deposit to open account
  • No minimum balance required with a $7.00 per month service charge
  • No service charge on first 30 checks per month. A $.10 handling charge will be assessed for all checks exceeding 30 per monthly statement cycle
  • No charge for personalized club checks
  • Accidental Death Insurance
  • Discount on small safe deposit box
  • Credit card protection
  • Key ring protection
  • No service charge for license sticker renewal (limit two per year)
  • Home inventory log
  • Travel and recreation discounts
  • No fee money orders or cashier's checks (limit three each)
  • $40 Rebate Rewards each year
  • Much more!

Quality NOW Checking

  • $100 minimum deposit to open account
  • Earns interest
  • $7.00 per month service charge.
  • Minimum balance of $750 or a $7.50 surcharge applies
  • No service charge on first 30 checks per month. A $.10 handling charge will be assessed for all checks exceeding 30 per monthly statement cycle
  • No charge for personalized club checks
  • Accidental Death Insurance
  • Discount on small safe deposit box
  • Credit card protection
  • Key ring protection
  • No service charge for license sticker renewal (limit two per year)
  • Home inventory log
  • Travel and recreation discounts
  • No fee money orders or cashier's checks (limit three each)
  • $40 Rebate Rewards each year
  • Much more!

Quality Super NOW Checking

  • $100 minimum deposit to open account
  • Earns interest
  • $7.00 per month service charge
  • Minimum balance of $1,500 or a $7.50 surcharge applies
  • No service charge on first 30 checks per month. A $.10 handling charge will be assessed for all checks exceeding 30 per monthly statement cycle
  • No charge for personalized club checks
  • Accidental Death Insurance
  • Discount on small safe deposit box
  • Credit card protection
  • Key ring protection
  • No service charge for license sticker renewal (limit two per year)
  • Home inventory log
  • Travel and recreation discounts
  • No fee money orders or cashier's checks (limit three each)
  • $40 Rebate Rewards each year
  • Much more!

Quality Family Checking

  • $100 minimum deposit to open account
  • No minimum balance required with a $8.50 per month service charge
  • No service charge on first 30 checks per month. A $.10 handling charge will be assessed for all checks exceeding 30 per monthly statement cycle
  • No charge for personalized club checks
  • Accidental Death Insurance
  • Discount on small safe deposit box
  • Credit card protection
  • Key ring protection
  • No service charge for license sticker renewal (limit two per year)
  • Home inventory log
  • Travel and recreation discounts
  • No fee money orders or cashier's checks (limit three each)
  • $40 Rebate Rewards each year
  • Much more!

First Class Club Checking

  • Must be age 50 or better
  • $100 minimum deposit to open account
  • No minimum balance required with a $5.00 per month service charge
  • No charge for personalized club checks
  • No fee money orders or cashier's checks (limit three each)
  • No charge for small safe deposit box, subject to availability
  • No charge for notary service
  • No service charge for license sticker renewal (limit two per year)

First Class Club Interest Bearing

  • $100 minimum deposit to open account
  • $5.00 per month service charge
  • Minimum balance of $2,500 or a $7.50 surcharge applies
  • No charge for personalized club checks
  • No fee money orders or cashier's checks (limit three each)
  • No charge for small safe deposit box, subject to availability
  • No charge for notary service
  • No service charge for license sticker renewal (limit two per year)

Senior Citizen Checking

  • Must be age 62 or better
  • $100 minimum deposit to open account
  • No minimum balance required

Student Checking

  • Available to high school or college students
  • Account holder must be a child of current account holder
  • $100 minimum deposit to open account
  • No minimum balance required
  • No charge for first box of personalized club checks (applies to High School Students)

Health Savings Account

A Health Savings Account (HSA) is a tax-exempt trust or custodial account established exclusively for the purpose of paying or reimbursing qualified medical expenses of you, your spouse, and your dependents.

  • $100 minimum deposit to open account
  • No minimum balance required
  • Interest bearing
  • No charge for personalized HSA checks
  • Monthly fee of $2.00for those who do not have an existing relationship with the bank