Personal Checking

Essential Checking
free, simple checking

  • no monthly service fee
  • no minimum balance
  • minimum of $50 to open the account
  • online banking
  • non-sufficient funds and low balance alerts (text message & email alerts*)
  • eStatement required
  • standard Visa Debit Card printed in branch

Enhanced Checking
best value checking for everyday life*

  • minimum of $50 to open the account
  • online banking and bill pay
  • mobile banking
  • mobile eDeposit available*
  • text message and email alerts*
  • 1 personalized Visa Debit Card printed in branch
  • eStatements*
  • ATM fees refunded with receipt*
  • 1 box of standard checks per year
  • 1 non-sufficient funds charge waived per year upon request
  • GenGold® membership benefits*
  • free regular or club savings account with automatic transfer* 

All for $6 a month.

Elite Checking
premium checking with interest*

  • minimum $50 to open the account
  • online banking and bill pay
  • mobile banking
  • mobile eDeposit available*
  • text message and email alerts*
  • 1 personalized Visa Debit Card printed in branch
  • eStatements*
  • GenGold® membership benefits*
  • ATM fees refunded with receipt*
  • 1 box of standard checks per year
  • 1 non-sufficient funds charge waived per year upon request
  • free regular or club savings account with automatic transfer*

Plus

  • tiered interest rates
  • VIP customer service number
  • Visa Gold credit card annual fee waived
  • free notary service
  • exclusive promotional offers and seminars

All for $12 a month, which will be waived with a $5,000 or greater balance OR a $25,000 loan/deposit relationship.

Enhanced Military Checking
best value checking made free for our service men and women on active duty and in reserve*

  • online banking and bill pay
  • mobile banking
  • mobile eDeposit available*
  • text message & email alerts*
  • 1 instant personlized Visa debit card
  • eStatements
  • ATM fees refunded with receipt*
  • 1 box of standard checks per year
  • 1 non-sufficient funds charge waived per year upon request
  • GenGold® membership benefits*
  • free regular or club savings account with automatic transfer*

Essential Student Checking
free, simple checking for full-time students age 16 - 24*

  • no monthly service fee
  • no minimum balance
  • only $25 to open
  • mobile banking
  • mobile eDeposit available*
  • 1 instant personalized Visa Debit Card
  • online banking and bill pay*
  • eStatements required
  • text message & email alerts*
  • Debit Card Rewards featuring iTunes® gift cards*

Essential Senior Checking
free, simple checking for seniors 55 and up

  • no monthly service fee
  • no minimum balance
  • non-sufficient funds and low balance alerts (text message & email alerts*)
  • online banking
  • 1 instant standard Visa debit card
  • paper or eStatements with check images

*Essential Checking: Requires eStatement and $50 to open.

*Enhanced Checking: Requires $50 to open.

*Elite Checking: This is an interest-bearing account and requires $50 to open. Fees may reduce earnings. Visa Gold credit card subject to approval. Account will earn no interest when the daily balance falls below $5,000.

*Enhanced Military Checking: Requires $50 to open. Active Duty Direct Deposit is required to open. Once you are no longer on active duty, a monthly service charge for the Enhanced Checking account will be applied. Out of market ATM fees from other banks will be refunded with receipt. Paper statements available upon request.

*Essential Student Checking: Requires $25 to open. Students under 18 are not elgible for Mobile eDeposit or Online Bill Pay unless a parent or guardian is a signer on the account with the minor. Standard text messaging rates apply. After customer turns 25, account will be converted to a comparable checking account. At that time additional fees may apply. Debit Card Rewards: 20 point-of-sale transactions over $10 earns a $10 iTunes® gift card, with a cap of $30 worth of gift cards per student, per year. iTunes is a registered trademark of Apple Inc. All rights reserved. Apple is not a participant in or sponsor of this promotion.

*Essential Senior Checking: Requires $50 to open.

*Text Message Alerts: Standard text messaging rates apply.

*eStatements: Paper statements available upon request for Enhanced and Elite.

*ATM Fees: Out of market ATM fees from other banks will be refunded with receipt.

*GenGold® Membership: GenGold® benefits and services subject to change without notice. Some benefits and services may require an additional fee. See www.gengold.com for complete details.

*Club Savings account: This is an interest bearing account. No quarterly service charge. Minimum $10 monthly automatic transfer from Enhanced or Elite is required. Minimum opening balance is $25. Customer chooses May 1 or November 1 distribution date. Early withdrawal penalty is $25. Transfers to another account or 3rd parties by pre-authorized, automatic, telephone transfer limited to 6 per month. The interest rate and APY are subject to change without notice. Account will earn no interest any day the balance falls below $1,000. Fees may reduce earnings.

*Mobile eDeposit: Subject to qualification and Online Banking is required.

Miscellaneous Fees and Charges

4/5/13