Online Banking

PERSONAL CHECKING

 

eChecking

This account is perfect for active check writers that do not want to worry about a monthly service charge.

  • Open with as little as $100
  • $100 Bounce Protection
  • Unlimited check writing
  • No Minimum Balance Requirement
  • E-Statement *
  • Free Internet Banking
  • Free Bill Payment Services
  • Free Mobile Banking
  • VISA Debit Card Available
  • Paper statement is $4 monthly

 

Classic Checking

Classic checking is perfect if you are an active check writer. The monthly service charge of $10 is waived with a minimum balance of $500, an average balance of $1,500, or a combined deposit relationship of $15,000. Features include:

  • Open with as little as $100
  • $500 Bounce Protection
  • Unlimited check writing
  • Easy to read Image Statement
  • Free E-Statement
  • Free Internet Banking
  • Free Bill Payment Services
  • Free Mobile Banking
  • VISA Debit Card Available

Premiere Gold Checking

If you are 50 or older, this is the best account around! The monthly service charge of $12 is waived with a $100 minimum balance or a combined deposit relationship of $15,000 or over. Features include all the benefits of Premiere Checking.

Premiere Checking

The perfect package or “club” account! The monthly service charge of $12 is waived with a  combined deposit relationship of $15,000 or over. Features include:

  • Open with as little as $100
  • $500 Bounce Protection
  • No minimum balance requirement
  • Unlimited check writing
  • Easy to read Image Statement
  • Free E-Statement
  • Free Internet Banking
  • Free Bill Payment Services
  • Free Mobile Banking
  • Free VISA Debit Card Available
  • Free BOC Wallet Style Checks
  • Interest on qualifying balances
  • Free Cashier’s Checks
  • Premium CD Rates
  • No BOC fee for foreign ATM transactions.

Interest Checking

Interest Checking keeps your money available for immediate and unlimited access while earning interest. The higher the balance, the higher the interest rate. The monthly service charge of $10 is waived with a $1,500 minimum balance, a $2,500 average balance or a combined deposit relationship of $15,000 or over. Features include:

  • Open with as little as $100
  • $500 Bounce Protection
  • Unlimited check writing
  • Easy to read Image Statement
  • Free E-Statement
  • Free Internet Banking
  • Free Bill Payment Services
  • Free Mobile Banking
  • Free VISA Debit Card Available
  • Interest on qualifying balances

 

 

Simple Relationship Banking

All monthly service charges are waived with a combined deposit relationship of $15,000 or more!

 

Bounce Protection

You will be charged a $30 Bounce Protection Fee for each item paid or if the account is accessed when the balance is not sufficient for the amount of the transaction.  Overdraft protection and the fees may be imposed on transactions such  in person withdrawals, by check, recurring debit card transactions, or other electronic means.  Additionally, ATM withdrawals and one time debit card transactions are covered if you choose to opt in to this service for those transactions. You should repay your overdraft protection and bring your account to a positive balance within 30 days. Whether your overdrafts will be paid is discretionary and we reserve the right not to pay.  For example, we typically do not pay overdrafts if your account is not in good standing, or you are not making regular deposit or you have too many overdrafts.

 

Personal Checking Comparison Chart

  eChecking Classic Premiere Premiere Gold Interest
Minimum Opening Deposit $100 $100 $100 $100 $100
Minimum Daily Balance to Avoid Service Charge no minimum $500  - $100 $1,500
ALL MONTHLY SERVICE CHARGES CAN BE WAIVED WITH A $15,000 COMBINED DEPOSIT RELATIONSHIP
Monthly Service Charge $0 $10 $12 $12 $10
Bounce Protection* $100 $500 $500 $500 $500
Restrictions  -  -  - 50 years and older  -
Unlimited Check Writing yes yes yes yes yes
Free Internet Banking yes yes yes yes yes
Free Bill Payment yes yes yes yes yes
Free Telephone Banking yes yes yes yes yes
Free E-Statements yes yes yes yes yes
Free Mobile Banking yes yes yes yes yes
Visa ATM/Debit Card yes yes yes yes yes
Free Checks (BOC Wallet Style) no no yes yes no
Free Notary Service yes yes yes yes yes
Free Direct Deposit yes yes yes yes yes
Monthy Paper Statement no ($4) yes yes yes yes
Interest on Qualifying Balances no no yes yes yes

 

* You will be charged a $30 Bounce Protection Fee for each item paid or if the account is accessed when the balance is not sufficient for the amount of the transaction.  Overdraft protection and the fees may be imposed on transactions such  in person withdrawals, by check, recurring debit card transactions, or other electronic means.  Additionally, ATM withdrawals and one time debit card transactions are covered if you choose to opt in to this service for those transactions. You should repay your overdraft protection and bring your account to a positive balance within 30 days. Whether your overdrafts will be paid is discretionary and we reserve the right not to pay.  For example, we typically do not pay overdrafts if your account is not in good standing, or you are not making regular deposit or you have too many overdrafts.