NOW Checking

Our Now Checking account is designed for customers who want a reliable, flexible checking option that earns interest and has convenient banking features. Whether you’re managing daily expenses or planning for the future, the Now Checking account gives you the tools you need to stay on top of your finances.

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Account Features

• 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.
  
  
• Minimum balance to open the account
  You must deposit $500.00 to open this account.
  
  
• Minimum balance to avoid imposition of fees
  A low balance fee of $15.00 will be imposed each monthly statement cycle if the average daily balance for the monthly statement cycle falls below $500.00. The average daily balance is calculated by adding the principal in the account for each day of the period and dividing that figure by the number of days in the period.
  
  
• 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 no later than the business day we receive credit for the deposit of noncash items (for example, checks).
  
  
• Contact us for more information.

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