Free Checking

• No monthly maintenance fee.
• No minimum balance required
• Unlimited check writing
• Monthly statements
• Minimum deposit to open is $10.00

Silver “Sand Dollar” Checking

• No monthly maintenance fee if account has direct deposit service
• $5.00 monthly maintenance fee if daily ledger balance falls below $100.00 any day of the statement cycle
• Earns a variable rate of simple interest calculated on the daily ledger balance tiers

• Monthly statements
• Interest paid to the account monthly

Golden “Sand Dollar” Checking

• Unlimited check writing
• $10.00 maintenance fee if daily ledger balance falls below $5,000.00 any day of the statement cycle
• Interest on balances of $5,000.00 and over will be a minimum of 85% of the 90 day Treasury index and will change quarterly.(1/1,4/1,7/1,10/1)
• Account earns a variable rate of interest calculated on the daily ledger balance tiers:

• Monthly statements
• Interest paid to the account monthly