Our Smart Choice checking products will make your banking easier than ever. We offer an array of accounts designed to meet the needs of all segments of the community. Switching banks is easier than ever with our On-Line Switch Kit. Click on “Switch To Us” under the Resources tab. It’s your choice where you bank; make the Smart Choice.

Smart Choice FREE Account

• Required minimum deposit of $100
• NO monthly service fee
• NO per check charge
• NO minimum daily balance
• FREE first order of Smart Choice basic checks
• FREE Internet Banking, Bill Pay, and 24-Hour Telephone Banking

Smart Choice 55 Account

• Required minimum deposit of $100
• Eligible at 55 years of age
• Interest bearing
• NO monthly service fee
  
• NO per check charge
• NO minimum daily balance
• First order of Smart Choice basic checks FREE; 50% discount on subsequent orders
• FREE Internet Banking, Bill Pay, and 24-Hour Telephone Banking

Smart Choice Interest (NOW) Account

• Required minimum deposit of $100
• Minimum daily balance of $800
• NO monthly service fee if $800 minimum balance is maintained. If balance falls below $800 during the statement cycle, a service charge of $5.00 plus $0.25 per check will be assessed.
• Interest bearing
• FREE Internet Banking, Bill Pay, and 24-Hour Telephone Banking

Smart Choice ETA (Electronic Transfer Account)

• Required minimum deposit of $50
• Monthly direct deposit is required
• $3.00 per month service charge; $0.25 per withdrawal after 4 per statement cycle
• This account does not permit check writing or the issue of a Debit card; In-bank withdrawals only.

Business Checking

• Required minimum deposit of $300
• Minimum daily balance of $300
• NO monthly service fee if $300 minimum balance is maintained. If balance falls below $300 anytime during the statement cycle the account will be charged $5.00 and $0.20 per check.
• FREE Internet Banking, Bill Pay, and 24-Hour Telephone Banking
  
• Remote Deposit Capture and Cash Management also available

*We may approve certain transactions that overdraw your account:

1. An overdraft fee of $30.00 may be charged for each transaction that overdraws your account.
2. The categories or types of transactions that may overdraw your account include payments, purchases, and transfers. A fee may be imposed for covering overdrafts created by check, in-person withdrawal, ATM withdrawal, or other electronic means.
3. Whether your overdrafts will be paid or not is at our sole discretion and we reserve the right not to pay.
4. We reserve the right to require you to repay your overdrafts immediately or on demand.

**When you use an ATM not owned by us, you may be charged a fee by the ATM operator or any network used (and you may be charged a fee for a balance inquiry even if you do not complete a fund transfer.)