Checking Account Types Totally Free Checking Account Advantage Checking Senior Platinum Checking Superior Checking New Opportunity Checkless Checkingfootnote 1 Health Savings (HSA)
Minimum deposit to open account $50 $100 $100 $100 $25 $50
Monthly service charge NONE $0 or $7.50 if balance < $750 NONE $0 or $12.50 if balance in all deposit accts < $4000 or 10K in CDs $5; waived with eStatement or direct deposit $3
Minimum balance to avoid fees NONE $750 NONE $4,000 in all deposit accounts or $10,000 in CDs NONE NONE
Other fees footnote 3 NONE NONE NONE NONE $10 returned item deposited NONE
Check card issuance fee $12 FREE FREE FREE NONE $12
Unlimited check card usage FREE FREE FREE FREE FREE FREE
Unlimited check writing FREE FREE FREE FREE Not available FREE
Interest NONE YES YES YES NONE YES
Internet banking FREE FREE FREE FREE FREE FREE
Mobile banking FREE FREE FREE FREE FREE Available
Bill Pay FREE FREE FREE FREE Not available Not available
eStatement FREE FREE FREE FREE FREE Available
Additional features Free check imaging.
Free Personal Touch 24 interactive telebank
1st check order is free Must be 62 years old
1st order of Senior Platinum checks for free
Overdraft Protection with no annual fee footnote 2
10% discount on safe deposit box
Free personalized Superior Checking checks
Free official checks
2 free stop payments per month
Free Personal Touch 24 interactive telebank
Free automatic funds transfers to any RRB account
Four (4) free cashier’s checks per month
$5 fee charged for each additional cashier’s check
Tax advantages
Consult your tax advisor
Savings Account Types Personal Savings Dreambuilder Money Max Money Market Investment Kids' Savings Christmas Club
Minimum to open account $100 $1 $25,000 $2,500 $25 $0
Monthly service charge NONE NONE NONE $0 if Minimum balance ≥ $2500,
if < $2500 = $9.50
NONE NONE
Minimum balance to earn interest $1 $1 $25,000 $2,500 $1 $1
Other fees footnote 1 3 free, $3 each for next three & $15 each after six, per month Early closure fee $20 3 free withdrawals per month.
$25 for each additional
6 free withdrawals per month, $15 for each additional 3 free, $3 each for next three & $15 each after six, per month Premature withdrawal or early closure fee $20
Interest YES YES YES YES YES NONE
Internet banking FREE YES FREE FREE YES Available
Mobile banking FREE YES FREE FREE YES Available
Bill Pay Not available Not available Not available Not available Not available Not available
eStatement FREE YES FREE FREE Available Available
Debit card Not availablefootnote 2 Not available Not available footnote 3 Not available footnote 4 Not available footnote 5 Not available
Additional features Monthly automatic transfer of at least $10 from checking account is required
Monthly combined statement with checking account
Maximum of 1 withdrawal per month in person or by telephone
Online banking transfers into account permitted
Must have existing deposit account with RRB Automatic distribution in Oct. of each year
CDS & IRAs Account Types CDs IRA CDs footnote 1
Minimum to open account $500 $500
Monthly service charge NONE NONE
Minimum balance to earn interest $1 $1
Interest Fixed Interest Fixed Interest
Conditions Early withdrawal subject to penalty depending on product terms Early withdrawal subject to penalty depending on product terms
Terms 30 days – 10 years 1–10 years
Additional features Flexible terms and rates
Can combine statements with checking account
Can combine statements with checking account.

Disclosures

  • To qualify for New Opportunity Checkless Checking certain requirements must be met.
  • subject to credit approval.
  • Additional fees may apply.

Disclosures

  • Additional fees may apply. Fees may reduce earnings.
  • Savings & Money Market accounts don't include a debit card. Your checking account debit card can be linked to your Savings or Money Market account.
  • Savings & Money Market accounts don't include a debit card. Your checking account debit card can be linked to your Savings or Money Market account.
  • Savings & Money Market accounts don't include a debit card. Your checking account debit card can be linked to your Savings or Money Market account.
  • Savings & Money Market accounts don't include a debit card. Your checking account debit card can be linked to your Savings or Money Market account.

Disclosures

  • Please consult your tax advisor.