Free Checking
A totally free checking account for individual or joint depositors, which provides them the opportunity to manage their money and pay their bills. There are no monthly maintenance fees, or per check charges and no minimum balance is required. The depositor receives a monthly statement and all paid checks are returned to the depositor monthly. The depositor is also eligible for a series of free benefits, described below.

Features:
This is an FDIC insured deposit. No interest is earned on this account. The minimum deposit to open this account is $10. There is no minimum balance required on this account. Additional deposits or withdrawals can be made at any time. All deposits are subject to collection before withdrawal. The depositor receives a monthly statement, which is a record of deposits and checks. The depositor receives all paid checks monthly, as evidence of payment of bills. Direct deposits (such as payroll, pension or social security checks) can be made to this account. There are no per check charges or monthly maintenance charges. Subject to the depositor’s credit, an Overdraft Line Of Credit may be available. The depositor is eligible to receive a free STAR® ATM card or Debit MasterCard. The depositor is eligible to receive single signature Traveler’s Checks, without a fee. The depositor’s first order of 50 checks is free. Subsequent orders of personalized checks are available at a reasonable fee. Free Telephone Banking is available for this account.