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eChecking Account

• $100 minimum to open account
• $8 monthly service charge
• Monthly service charge waived when 20+ debit card transactions occur monthly
• No minimum balance requirement
• Automatic enrollment in E-Statements
• No interest earned
• Checks are not provided with this account free of charge

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Regular Checking Account

• $200 minimum deposit to open account
• Monthly service charge of $8.00
• $500 minimum daily balance required to avoid monthly service charge
• One box of wallet bank stock checks provided at no charge
• Monthly service charge, paper statement fees and minimum daily balance requirements are all waived for senior citizens 62 or older
• Prices for duplicate checks vary depending on style of checks ordered
• Monthly Image Statements: $3.00 monthly fee for paper statements or you can select free E-Statements

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NOW Account

• Daily compounded interest paid each monthly cycle on this account
• $200 minimum deposit to open account
• Monthly service charge of $12.00
• $1000 minimum daily balance required to avoid monthly service charge
• One box of wallet bank stock checks provided at no charge
• Monthly Image Statements
• Interest will not be paid if the daily balance drops below $1000.00

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Regular Savings Account

• Interest is compounded daily and credited to the account at the end of each month.
• Accrued interest is lost if the account is closed prior to end of month.
• $50 minimum opening deposit.
• $5 monthly service charge if account balance falls below $100 any day of the statement cycle.
• Safekeeping of all items.
• Quarterly Statements.
• Transactions by check are not allowed on a savings account

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First Star Money Market Account

A tiered account that provides for higher rates of return as the balance increase.

• The account is tiered as follows:
  • Tier 1: A balance of $9999.99 or less
  • Tier 2: A balance from $10,000.00 through $24,999.99
  • Tier 3: A balance from $25,000.00 through $49,999.99
  • Tier 4: A balance from $50,000.00 through $99,999.99
  • Tier 5: A balance of $100,000.00 or more
• At our discretion, interest rate on account may change at any time.
• Interest will be compounded daily and will be credited to account every statement cycle.
• If you close account before the interest is credited, you will not receive the accrued interest.
• $2500.00 minimum deposit to open account
• Monthly service charge of $20.00 will be imposed every month if the balance in the account falls below $10,000.00 any day of the statement cycle.
• We use the daily balance method to calculate the interest on the account. This method applies a daily periodic rate to the principal in the account each day.
• Interest begins to accrue on the first business day after the banking day you deposit noncash items.

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Certificates of Deposit

• $1000 minimum deposit required to open account.
• No deposits allowed on the account before maturity.
• Early withdrawal penalties may apply.
• Principal withdrawals before maturity are not allowed.
• Interest accrued can be withdrawn in the term before maturity of that term, but penalties may apply.
• We offer a variety of terms.

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