Choice Plus Checking


  • Rate Information – Your interest rate and annual percentage yield may change.
  • Frequency of Rate Changes – We may change the interest rate on your account at any time.
  • Determination of Rate – At our discretion, we may change the interest rate on your account.
  • Compounding and Crediting Frequency – Interest will be compounded every month. Interest will be credited to your account every month.
  • Effect of Closing an Account – If you close your account before interest is credited, you will not receive the accrued interest.
  • Minimum Balance to Open the Account – You must deposit $100.00 to open this account.
  • Minimum Balance to Avoid Imposition of Fees – A monthly service charge fee of $7.50 and a per check fee of $0.25 will be charged each statement cycle that the balance in the account falls below $1,000.00 any day of the cycle. These fees may also be waived if you maintain a total combined daily balance of $5,000.00 in deposit balances.
  • Fees – A withdrawal fee of $2.00 will be charged for each withdrawal in excess of 10 per statement cycle at ATMs we do not own or operate.
  • Minimum Balance to Obtain the Annual Percentage Yield Disclosed – You must maintain a minimum balance of $500.00 in the account each day to obtain the disclosed annual percentage yield.
  • Daily Balance Computation Method – We use the daily balance method to calculate the interest on your account. This method applies a daily periodic rate to the principal in the account each day.
  • Accrual of Interest on Noncash Deposits – Interest begins to accrue on the business day you deposit noncash items (for example, checks).
  • Click here for current rates.

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