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Deposit Services

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There’s no better place to grow wealth than with one of our many deposits solutions. Each one is backed with the security of the FDIC and designed to keep your finances accessible as your investments develop.

Deposit Account Options

Below is a list of our current deposit accounts. Select one of the items below to be taken to a complete description.

Totally Free Checking

Totally Free Checking account provides all the features that you would expect in a checking account. There are no fees for transactions or monthly maintenance.

  • No Monthly fee
  • Free Debit Card
  • Free Internet Banking
  • Free Telephone Banking
  • Free Mobile Banking
  • Unlimited Checking
  • E-Statements (required)

Opening Deposit: A minimum of $50.00 is required to open a Totally Free Checking account.

Account Fees: There are no monthly maintenance or transaction fees. If your account is overdrawn, you will be assessed a fee on the negative balance at the rate of eighteen percent (18% APR).

Traditional Checking

Traditional Checking account provides all the features that you would expect in a checking account. Paper statements are available.

  • Free Debit Card
  • Free Internet Banking
  • Free Telephone Banking
  • Free Mobile Banking
  • Unlimited Checking
  • Choice of E-Statements or Paper Statements
  • $3.00 Monthly fee

Opening Deposit: A minimum of $50.00 is required to open a Traditional Checking account.

Account Fees: There is a 3.00 per month maintenance fee, there are no transaction fees. If your account is overdrawn, you will be assessed a fee on the negative balance at the rate of eighteen percent (18% APR).

55 Plus Checking

55 Plus Checking account is for our customers over the age of 55. This account provides all the features that you would expect in a checking account. There are no fees for transactions or monthly maintenance.

  • No Monthly fee
  • Free Debit Card
  • Free Internet Banking
  • Free Telephone Banking
  • Free Mobile Banking
  • Unlimited Checking
  • Choice of E-Statements or Paper Statements

Opening Deposit: A minimum of $50.00 is required to open 55 Plus checking account.

Account Fees:  If your account is overdrawn, you will be assessed a fee on the negative balance at the rate of eighteen percent (18% APR).

Club Plus Checking (Best Deal)

Only for personal accounts, the Club Plus Checking account provides the traditional checking account features with so much more.

It’s our best deal for a reason!

  • Free Debit Card
  • Free Internet Banking
  • Free Telephone Banking
  • Free Mobile Banking
  • Unlimited Checking
  • Free Special Member Personalized Checks
  • $20,000 Accidental Death Insurance
  • Free Cashier's Checks and Money Orders
  • Membership Card
  • Savers Club
  • Payment Card Protection Service
  • Key Registration
  • Medical Emergency Data Card
  • Everyday Rebate Reward
  • Hotel Savings Network
  • Bonus Travel
  • Sojourns Travel Magazine
  • $7.50 Monthly Fee
  • Choice of E-Statements or Paper Statements

Opening Deposit: A minimum of $100.00 is required to open a Club Plus checking account.

Account Fees: There is a monthly maintenance fee of $7.50.  If your account is overdrawn, you will be assessed a fee on the negative balance at the rate of eighteen percent (18% APR).

Interest Checking

Interest Checking account provides traditional checking account features along with competitive market interest rates to help your money grow while it’s in the bank. There are no monthly maintenance or transaction fees as long as the account meets the balance requirements.

  • No Monthly fee (account must meet balance requirements)
  • Pays Competitive Market Interest Rates
  • Free Debit Card
  • Free Internet Banking
  • Free Telephone Banking
  • Free Mobile Banking
  • Unlimited Checking
  • Choice of E-Statements or Paper Statements

Rate Information: Our Interest Checking account is an interest-bearing account.
The interest rate and annual percentage yield are included in the Rate Chart.  The interest rate and annual percentage yield may change.  At our discretion, we may change the interest rate on the account daily.  Interest begins to accrue no later than the business day we receive credit for the deposit of non-cash items (for example, checks).  Interest will be compounded monthly and will be credited to the account monthly.  If the account is closed before interest is credited you will not receive the accrued interest.

Balance Information: 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.  We will use an interest accrual basis of 365 (or 366 in leap year) for each day in the year.  You must maintain a minimum balance of $500.00 in the account each day to obtain the disclosed annual percentage yield.

Opening Deposit: A minimum of $500.00 is required to open an Interest checking account.

Account Fees: There are no monthly maintenance or transaction fees if the account maintains a $500.00 average daily ledger balance.  If the account falls below the balance requirements, the monthly maintenance fee is $5.00, and each check or other debit is $0.10 each.  If your account is overdrawn, you will be assessed a fee on the negative balance at the rate of eighteen percent (18% APR).

Club Interest Checking

Club Interest Checking is a personal account that provides all the features of our “Club Plus” account plus the benefits of earning competitive market interest rates of our “Interest Checking” account, as long as the account meets the balance requirements.

  • Free Debit Card
  • Free Internet Banking
  • Free Telephone Banking
  • Free Mobile Banking
  • Unlimited Checking
  • Free Special Member Personalized Checks
  • $20,000 Accidental Death Insurance
  • Free Cashier's Checks and Money Orders
  • Membership Card
  • Savers Club
  • Payment Card Protection Service
  • Key Registration
  • Medical Emergency Data Card.
  • Everyday Rebate Reward
  • Hotel Savings Network
  • Bonus Travel
  • Sojourns Travel Magazine
  • $7.50 Monthly Fee
  • Choice of E-Statements or Paper Statements

Rate Information: This Account is an interest-bearing account. The interest rate and annual percentage yield are included in the Rate Chart.  The interest rate and annual percentage yield may change.  At our discretion, we may change the interest rate on the account daily.  Interest begins to accrue no later than the business day we receive credit for the deposit of non-cash items (for example, checks).  Interest will be compounded monthly and will be credited to the account monthly.  If the account is closed before interest is credited you will not receive the accrued interest.

Balance Information: 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.  We will use an interest accrual basis of 365 (or 366 in leap year) for each day in the year.  You must maintain a minimum balance of $500.00 in the account each day to obtain the disclosed annual percentage yield.

Opening Deposit: A minimum of $500.00 is required to open a Club Interest checking account.

Account Fees: There is a monthly maintenance fee of $7.50.  If your account is overdrawn, you will be assessed a fee on the negative balance at the rate of eighteen percent (18% APR).

Money Market Checking

Money Market Checking this account provides the best features of both our Interest Checking account and a traditional Certificate of Deposit. This account gives you check-writing abilities with the benefit of higher interest rates.  There is no monthly maintenance fee as long as the account meets the balance requirements.

  • No Monthly fee (account must meet balance requirements)
  • Pays Competitive Market Interest Rates
  • Free Debit Card
  • Free Internet Banking
  • Free Telephone Banking
  • Free Mobile Banking
  • Allowed 6 Withdraws per Statement Cycle
  • Choice of E-Statements or Paper Statements

Rate Information: This Account is an interest-bearing account. The interest rate and annual percentage yield are included in the Rate Chart.  The interest rate and annual percentage yield may change.  At our discretion, we may change the interest rate on the account daily.  Interest begins to accrue no later than the business day we receive credit for the deposit of non-cash items (for example, checks).  Interest will be compounded monthly and will be credited to the account monthly.  If the account is closed before interest is credited you will not receive the accrued interest.

Balance Information: 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.  We will use an interest accrual basis of 365 (or 366 in leap year) for each day in the year.  You must maintain a minimum balance of $1,000.00 in the account each day to obtain the disclosed annual percentage yield.

Opening Deposit: A minimum of $1,000.00 is required to open a Money Market checking account. You may make six (6) withdraws from your account each statement cycle. Each additional withdraw from your account over the six (6) allowed is $7.50 each.

Account Fees: There is no monthly maintenance fee if the account maintains a $1,000.00 average daily balance.  If the account falls below the balance requirements, the monthly maintenance fee is $5.00, and each check or debit is $0.10 each.  Each additional transfer from your account over the six (6) allowed is $7.50 each.  If your account is overdrawn, you will be assessed a fee on the negative balance at the rate of eighteen percent (18% APR).

Small Business Checking

Small Business Checking is intended for use by small businesses and organizations, with the traditional features associated with a checking account. 200 Items (withdraws, deposits, deposit items) allowed per Monthly Statement Cycle

  • Free Debit Card
  • Free Internet Banking
  • Free Telephone Banking
  • Free Mobile Banking
  • Unlimited Checking
  • Choice of E-Statements or Paper Statements

Opening Deposit: You must deposit $100.00 to open this account.

Account Fees: The first 200 items are free per monthly statement cycle. Excess per item fee, $0.20 per item.  If your account is overdrawn, you will be assessed a fee on the negative balance at the rate of eighteen percent (18% APR).

Commercial Checking

Commercial Checking is intended for use by businesses and organizations, with the traditional features associated with a checking account.

Opening Deposit: You must deposit $100.00 to open this account.

Account Fees: There is a $5.00 monthly maintenance fee, $0.10 per transaction fee, $0.05 per deposited item fee.  Earnings credit of $0.10 per $100.00 average balance for the statement cycle.  If your account is overdrawn, you will be assessed a fee on the negative balance at the rate of eighteen percent (18% APR).

Traditional Savings

Our Savings Account provides you with a way to easily deposit your funds into an interest-bearing account.

Rate Information: This Account is an interest-bearing account. Interest begins to accrue no later than the business day we receive credit of for the deposit of noncash items (for example, checks).  Interest will be compounded quarterly and will be credited to the account quarterly.  If the account is closed before interest is credited you will not receive the accrued interest.

Balance Information: 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.  We will use an interest accrual basis of 365 (or 366 in leap year) for each day in the year.  You must maintain a minimum balance of $100.00 in the account each day to obtain the disclosed annual percentage yield.

Opening Deposit: You must deposit $100.00 to open this account. You may make six (6) transfers from your account each quarter.

Account Fees: There is no quarterly maintenance fee if the account maintains a $100.00 average quarterly ledger balance.  If the account falls below the balance requirements, the quarterly maintenance fee is $2.50.  Each additional transfer over the six (6) allowed is $1.00 each.

Certificates of Deposit

Put your money to work without fear or risk. Our Certificates of Deposit (CDs) give you the ability to invest safely. With competitive rates of return and deposit amounts that are convenient for all types of investors, there’s no reason that your money should ever just sit in the bank. Call one of our bankers today and see what option could work for you.

Safe Deposit Boxes

Need a safe place to keep your valuables?

We proudly offer safe deposit boxes of all shapes and sizes to fit your needs. Please call for current pricing.

Member FDIC

Learn More

Fees & Services

Account Printout:

$1.00 per account

Account Research:

$20.00 per hour plus $.25 per paper copy ($15.00 minimum)

ATM/Debit Cards:

FREE / $0.00 Initial Card Issuance
FREE / $0.00 Monthly Fee Issued upon approval
No additional charge from BANK360 when used for purchases

Cashiers Checks:

$1.00 for customers
$3.00 for non-customers

Chargebacks:

$1.00 per item

Collection Items:

Incoming: No Charge
Outgoing: $10.00
Foreign: $15.00

Debit Card Replacement:

$5.00 per card

Deposit Bags:

Zipper Bags: $5.00
Locked Bags: $25.00 per bag

Faxes:

Incoming: $0.25 per page
Outgoing: $1.00 1st page, $0.50 additional pages

Garnishment:

$25.00 per account

Insufficient Funds:

Paid or Returned: $20.00 per item

Letter of Credit:

1% of total ($25.00 Minimum)

Money Orders:

$1,000 limit
Bank Club: No Charge
Non-Bank Club: $2.00 per check (Cash only purchase)

Mortgage Verification of Deposit:

$10.00 per Verification

Notary Services:

Bank Club: No Charge
Non-Bank Club: $2.00

NSF Transfer Protection:

No cost for this feature
This feature allows the customer to automatically transfer money from one account to another to cover NSF checks. The amount needed to cover the NSF check will be transferred.  The customer will not be charged an NSF fee, as long as funds are available to cover the NSF check. There is no charge for this feature. Please contact us to get this feature set up.

Photocopy:

$0.25 per copy

Special Statement:

$5.00

Stop Payment:

$20.00 per Check

Telephone Transfer:

No Charge

Wire Transfers:

$10.00 charge for all wires within the United States
$35.00 charge for all international wires
Incoming Customer Wire: No Charge
Incoming Non-Customer Wire: $10.00

Contact Our Deposit Team

Do you have questions about our deposit accounts? Fill out the form below and one of our deposit team representatives will be in contact with you to answer any questions you have.

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