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Sole Proprietor & Non-Profit Checking – Non-InterestBearing 123

  • $50 Minimum to open account
  • Online Banking - No Charge
  • VoiceMaster - No Charge
  • Visa Debit card (Upon Approval)
  • eStatements or Imaged Statements
  • No monthly maintenance fees
  • No minimum balance requirements
  • Not available to corporations, LLCs or legal partnerships


Small Business Checking – Interest Bearing 123

  • $500 minimum to open account
  • Online Banking - No Charge
  • VoiceMaster - No Charge
  • Visa Debit card (Upon Approval)
  • Up to 350 transactions per month
  • Statements sent at end of month
  • eStatements or Imaged Statements
  • $20.00 Monthly Service Charge if balance falls below $1,000


Commercial Checking – Non-Interest Bearing 123

  • $500 minimum to open account
  • Online Banking - No Charge
  • VoiceMaster - No Charge
  • Visa Debit card (Upon Approval)
  • eStatements or Imaged Statements
  • $20.00 Monthly Service Charge if balance falls below $1,000


Commercial Account Analysis – Non-Interest Bearing 123

  • $500 minimum to open account
  • Online Banking - No Charge
  • Visa Debit card (Upon Approval)
  • VoiceMaster - No Charge
  • eStatements or Imaged Statements
  • Monthly maintenance fee – $15.00 per statement cycle
  • Item charge
    - Per debit – $.10
    - Per item deposited – $.05
  • Earnings credit - 2.10% average daily balance


Accounts with no customer initiated activity for three (3) years will become Dormant

Inactive checking accounts with a balance of $50.00 or less for a period of one (1) year or longer, with no customer initiated activity, will be assessed a $6.50 fee per statement cycle. 

Checking accounts with a zero balance for thirty (30) days will be closed.

*See the Deposit Agreement or Truth in Savings Disclosure for further account details