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 You Are Here: Home >Products & Services >Personal Banking >Deposit >Checking Account

Checking Account

 

1. Checking Accounts

a) Personal Checking Account
-- Minimum $100 to open account
-- Non-interest bearing
*A monthly service charge of $15 and an activity charge of $0.20 per transaction apply if the average daily balance is below $500.

b) Free Checking with Direct Deposit
Direct deposit saves you time and money. You can enjoy the security and convenience of having recurring payroll or government checks deposited directly into your checking account. If you sign up, you will receive:
-- Immediate availability of funds upon direct deposit into the account
-- Minimum deposit to open account $100
-- Unlimited check writing
-- Non-Interest bearing

c) Basic Checking Account
A low balance of just $25 to open an account, with a monthly service charge of $3, provided that the account holder does not maintain any other transaction accounts at the Bank
-- No minimum balance requirement
-- No bank charges up to 8 withdrawal transactions, including checks *
-- Unlimited deposits
-- Non-interest bearing
*An activity charge of $0.20 per withdrawal transaction applies starting from the 9th check

2. NOW (Negotiable Order of Withdrawal) Accounts

a) Now Account (Interest-Bearing Checking Account)
-- Interest bearing checking account for individuals and eligible non-profit organizations
-- Minimum $100 to open account*
-- With a minimum daily balance of $100, you will earn interest on your deposit balance
-- We pay interest monthly at variable interest rates, calculated daily on a 365-day basis, provided that the minimum balance is maintained
-- Unlimited check writing and deposits
* A monthly service charge of $20 applies if the average daily balance is below $1,500.

b) Diamond NOW Account
-- Interest bearing checking account for individuals and eligible non-individuals
-- Minimum $100 to open account*
-- Minimum $15,000 maintained in average daily balance to avoid monthly service charge*
-- Earn higher tiered interest rates with higher deposit balances
-- We pay interest monthly at variable interest rates, calculated daily on a 365-day basis, provided that the minimum balance is maintained
-- Unlimited check writing and deposits
* A monthly service charge of $35 applies if the average daily balance is below $15,000.

3. Senior Citizen Accounts

a) Senior Citizen Statement Savings Account
-- Designed for individuals aged 55 and over
-- Earn higher rates of interest with higher deposit balances
-- We pay interest monthly at tiered variable interest rates, compounded daily on a 365-day basis
-- No minimum balance requirement
-- No monthly service charge
-- Limit to 6 transfers, transfers and withdrawals each month; transfers and withdrawals made in person, by mail or at ATMs are unlimited. An activity fee of $15 will be charged for each transaction that exceeds the 6-transaction limit
-- If you frequently exceed the 6-transaction limit, we will convert your account to a checking account

b) Senior Citizen NOW Account
-- Designed for individuals aged 55 and over
-- We pay interest monthly at variable interest rates, compounded daily on a 365-day basis
-- No minimum balance requirement
-- No monthly service charge
-- Unlimited check writing
-- No per check charge


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