Description:

• Interest-bearing checking account  
• An account that pays interest on your balance and provides easy access to your money

Requirements:

• $50 minimum balance to open account
• Must maintain $1000 balance or $1500 average to avoid monthly service charge  

Benefits:

• Interest compounded daily and credited to account monthly
• Interest accrues no later than the business day we receive credit for the deposit of noncash items (for example, check)   

Cost:

• Monthly service charge fee of $10 if the balance falls below $1000 or $1500 monthly average.
• $18 charge for each overdrawn item ($54 maximum per day)
• $20 fee per item for returned checks
• $20 fee for each stop payment item
• $5 fee imposed for transfers for overdraft protection
• $1 for statements printed out of cycle
• $10 fee to replace lost Shazamchek cards