Rates effective as of 09/19/2019
APY = Annual Percentage Yield
Fees may reduce earnings.
 
Rates are subject to change at any time.

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360° Cash Checking 360° Cash Back Checking Free Checking Plus Interest + Direct Deposit
Checking +
Rewards
Checking
Optimum
Checking +

Minimum deposit to open $50 $50 $50 $50 $100 $10,000
Earns Interest Yes, at 2.02% APY if qualifications are met, 0.05% APY if qualifications are not met. No.  2.02% cash back on debit card purchases, up to $5.00 per month if qualifications are met. Yes for Balance > = $500.00 No Yes for Balance > = $500.00
Yes tiered rates
< $25,000
 
$25,000 < $50,000
 
$50,000 < $100,000

$100,000 < $250,000

$250,000 and >
Minimum Balance to Avoid Service Charge No No No No $5,000 balance in any deposit account OR $5,000 balance in any loan account $10,000
Monthly Service Charge Free Free Free No fee with direct deposit* $10 $15
Per Check Withdrawal Charge No No No $.25 per debit over 10, if no Direct Deposit
No No
Online Banking Access Yes Yes Yes Yes Yes Yes
Online Bill Pay Fee Free Free Free Free
Free
Free
"Auto Teller" Telephone Banking at No Charge Yes Yes Yes Yes Yes Yes
Monthly Statement with Check Safekeeping Yes Yes Yes Yes
Yes
Yes
Home Loan Checks Provided at No Charge No No First Order Free First Order Free
50% discount
Free if age 55+
Yes
Debit Card Yes Yes Yes Yes Yes Yes
Cashier Checks at No Charge No No No No
Yes
Yes
No Fee Withdrawals From Non Home Loan ATMs** Yes, if qualifications are met. Yes, if qualifications are met. No No
No
Yes
Annual Fee Waived on Overdraft Protection No No No No
No
Yes
Small Safe Deposit Box Annual Fee $30 $30 $30 $30
$30
No Charge
Incoming Wire Transfers $20 $20 $20 $20
$20
No Charge
Can an Individual Open This Account? Yes Yes Yes Yes
Yes
Yes
Can a Business Open This Account No No No No
No
No
Can a Non-Profit Open This Account No No No No
No
No
* Basic Checking fees apply any month a direct deposit is not received.
**Other banks may apply fees.
***Subject to credit approval.
****Subject to availability.
+ For additional disclosure information please refer to the Account Rules and Regulations provided upon request at any of our banking centers