- The daily collected balance computation method is used to calculate interest on your account. This method applies to a daily periodic rate to the principal in the account each day. Interest accrues on the business day you deposit non-cash items. Fees may reduce earning on account.
- Must maintain $1,500 in Value Checking Plus Account or $12,500 in Money Market to avoid minimum balance fee.
- Value Checking Rewards Account. Effective 02/01/2026. Requirements to earn 3.00% Annual Percentage Yield, APY, on balances up to $24,999.99 and rewards: (1) Sign up and receive electronic statements (2) Use debit card 15 times(Point-of-Sale transactions) per statement cycle. (3) One direct deposit or ACH debit payment per statement cycle. If you do not meet these requirements during the statement cycle, your account will still earn interest, but at a lower rate(0.05% APY) and will receive the $8.95 monthly service charge. Fees may reduce earnings. APY is accurate as of 02/01/2026. We may change the interest rate and APY at any time after the account is opened. Rewards Include: Online Banking with Free Bill Pay, Mobile App with Free Mobile Check Deposit and waived service charge. Digital statements are included for Free and are required to qualify for waiver of service charge. Paper statements are available for $5 charge per statement, but will nullify qualifications conditions.
- Qualifying account holders who have had account for more than 30 days.
- Daily maximum deposit of $10,000.
- If you do not receive e-mail statements, you will be charged a $5 statement fee for paper statements.
Funds Availability Policy
Our general policy is to allow you to withdraw funds deposited in your account on the first business day after the day we receive your deposit. Funds from electronic direct deposits will be available on the day we receive your deposit. In some cases, we may delay your ability to withdraw funds beyond the first business day. Then, the funds will generally be available by the second business day after the day of deposit.
