Personal Accounts

Personal Accounts - Checking

Free Checking Account

Best For

For individual or unincorporated non-business associations

Features

	Minimum deposit of $25.00 to open this account
	No monthly service charge or transaction fee
	Free ATM card
	Check safekeeping is required
	Monthly statement and check images provided

Regular Checking Account

Best For

For individuals or unincorporated non-business associations

Features

	Minimum deposit of $50.00 to open account
	A service fee of $3.50 and a combined items fee of $.25 per additional transaction (exclusive of electronic funds transfers) over 30 will be charged each monthly statement period unless a minimum ledger balance of $300.00 is maintained during that statement period
	Monthly statement and check images provided

Senior Checking Account

Best For

For individuals 55 years of age or older only

Features

	Minimum deposit of $100.00 to open this account
	Your account will be service charged $10.00 if the minimum ledger balance falls below $1,000 or the combined balance on the day your statement drops in your Senior Checking account and any linked savings, CD, IRA or consumer loan falls below $5,000
	Interest rates are variable and determined daily at the banks discretion for balance of $1,000.00 and over, variable interest will be calculated using the simple method based on the daily collected balance and credited monthly
	Free travelers checks and cashiers checks
	Free Boone County Senior checks provided
	Monthly statement and check images provided

Now Checking Account

Best For

For individuals or eligible unincorporated non-business associations

Features

	Minimum deposit of $100.00 to open this account
	Your account will be service charged $10.00 plus a combined items fee of $.25 per additional transaction over 30 (exclusive of electronic) if the minimum ledger balance falls below $1,000 or the combined balance on the day your statement drops in your Now account and any linked savings, CD, IRA or consumer loan falls below $5,000
	Interest rates are variable and determined daily at the banks discretion for balances or $1,000.00 and over, variable interest will be calculated using the simple method based on the daily collected balance and credited monthly
	Monthly statement and checks images provided