Personal Checking

PERSONAL CHECKING

You must deposit $100.00 to open this account. A minimum balance fee will be imposed every statement if the balance in the account falls below $700.00 any day.

Balance Fee
$0 – $99.99 $9.00
$100 – $299.99 $8.00
$300 – $499.99 $7.00
$500 – $699.99 $6.00
$700+ $0
Senior Citizens (65 years+) NO CHARGE
Fulltime Student (To Age 23) NO CHARGE

banclub checking

You must deposit $100.00 to open this account. A minimum balance fee will be imposed every statement if the balance in the account falls below $700.00 any day.

Plan Balance Fee
Basic $500+ $8.00
Personal $500+ $9.00
Family $500+ $10.00
You must deposit $100.00 to open this account. A minimum balance fee will be imposed every statement cycle if the balance in the account falls below $500.00 any day of the statement cycle. Fees will be determined according to Banclub Plan Choice.

banclub Now Account

You must deposit $1,500.00 to open a Banclub NOW account and maintain a minimum daily balance of $1,500.00 to obtain the Annual Yield Percentage. Annual Percentage Yield is subject to change daily at bank’s discretion. Fees on this account will be determined according to Banclub plan chosen.

Plan Balance Fee
Basic $500+ $8.00
Personal $500+ $9.00
Family $500+ $10.00

Compounding and Crediting
Interest will be compounded and credited to your account monthly. You will not receive the accrued interest if you close your account before interest is credited. Interest begins to accrue no later than the business day we receive credit for the deposit of non-cash items (example: checks).

Balance Computation Method
We use the daily method to calculate the interest on your account. This method applies a daily periodic rate to the principal in the account each day.

NOW CHECKING

You must deposit $1,500.00 to open a NOW account and maintain a minimum daily balance $1,500 to obtain the Annual Yield Percentage. Annual Percentage Yield is subject to change daily at bank’s discretion. A minimum balance fee will be imposed every statement cycle if the balance in the account falls below $1,500.00 any day of the cycle.

Balance Fee
$1,500 or Greater NO CHARGE
Less than $1,500 $10.00 
Senior Citizens (65 Years+) NO CHARGE (Must Notify Bank)
Compounding and Crediting
Interest will be compounded and credited to your account monthly. You will not receive the accrued interest if you close your account before interest is credited. Interest begins to accrue no later than the business day we receive credit for the deposit of non-cash items (example: checks).

Balance Computation Method
We use the daily method to calculate the interest on your account. This method applies a daily periodic rate to the principal in the account each day.

Money Market Plus

You must deposit $2,500.00 to open a Money Market Plus account. A minimum balance fee will be imposed every statement cycle if the balance in the account falls below $2,500.00 any day of the statement cycle. Annual Percentage Yield is determined by account balance and is subject to change daily at bank’s discretion. You must maintain a minimum daily balance of $2,500.00 to obtain APY.

Balance Fee
$2,500 or Greater NO CHARGE
Less than $2,500 $15.00
Transaction Limitations
You may only make 6 transfers/withdrawals per calendar month or statement cycle of at least 4 weeks (not including those made by mail, in person, by telephone with check mailed to you, messenger, ATM or to repay loans with us). There will be a $5.00 per item charge for each transfer/withdrawal after the 6th transaction.

Compounding and Crediting
Interest will be compounded and credited to your account monthly. You will not receive the accrued interest if you close your account before interest is credited. Interest begins to accrue no later than the business day we receive credit for the deposit of non-cash items (example: checks).

Balance Computation Method
We use the daily method to calculate the interest on your account. This method applies a daily periodic rate to the principal in the account each day.