Checking Accounts
Regular
Checking
-
$50.00 to open
-
Unlimited check writing
-
If
your balance falls below $200.00 on any day in your statement cycle, your
account
will be subject to a $4.00 service charge for that statement cycle
-
May
Apply for a VISA Check Card after 60 days
-
You
may make an unlimited number of deposits into your account
-
Monthly image statement by mail
-
Free
direct deposit and free automated clearinghouse withdrawals
-
Unlimited use of Touch Tone Teller
-
Unlimited Internet Banking access
- Unlimited
transfers from account
Now Account
-
Interest-bearing
account with interest compounded and credited monthly
-
Interest is calculated by the daily balance method which applies a daily
periodic rate to the balance
in the account each day
-
We
may change the interest rate of this account at any time
-
Minimum balance to open is $1,000.00
-
If
your account falls below $1,000.00 on any day in that statement cycle, your
account will
be subject to a $6.00 service charge for that statement cycle
-
If
you close your account before interest is credited, you will not receive
accrued interest
-
You
may make an unlimited number of deposits into your account
-
Interest will begin to accrue on the business day you deposit noncash items
(for example, checks)
into your account
-
Unlimited check writing
-
May
apply for a VISA Check Card after 60 days
-
Free
direct deposit and free automated clearinghouse withdrawals
-
Monthly image statement by mail
-
Unlimited use of Touch Tone Teller
-
Unlimited Internet Banking access
-
Unlimited transfers from account
Super Now
Account
-
Interest-bearing
account with interest compounded and credited monthly
-
Interest is calculated by the daily balance method which applies a daily
periodic rate to the balance
in the account each day
-
We
may change the interest rate of this account at any time
-
Minimum balance to open is $2,500.00
-
If
your account falls below $2,500.00 on any day in that statement cycle, your
account will
be subject to a $6.00 service charge for that statement cycle
-
If
your daily balance is $0.01or more but less than $2,500, the interest rate
will be lower than the rate on balances of $2,500 or more
-
If
you close your account before interest is credited, you will not receive
accrued interest
-
You
may make an unlimited number of deposits into your account
-
Interest will begin to accrue on the business day you deposit noncash items
(for example, checks)
into your account
-
Unlimited check writing
-
May
apply for a VISA Check Card after 60 days
-
Free
direct deposit and free automated clearinghouse withdrawals
-
Monthly image statement by mail
-
Unlimited use of Touch Tone Teller
-
Unlimited Internet Banking access
-
Unlimited transfers from account
Interest On Lawyer Trust
Accounts (IOLTA)
-
All
reporting to the West Virginia Bar Association completed by the bank on a
monthly basis
-
Interest-bearing account with interest compounded and credited monthly
-
We
may change the interest rate of this account at any time
-
Minimum balance to open is $50.00
-
If
you close your account before interest is credited, you will not receive
accrued interest
-
You
may make an unlimited number of deposits into your account
-
Unlimited check writing
-
Free
direct deposit
-
Monthly image statement by mail
-
Unlimited use of Touch Tone Teller
-
Unlimited Internet Banking access
Additional
Terms - The following additional terms
apply to this account: PAYMENT ORDER OF ITEMS -
The law permits us to pay items (such as checks or drafts) drawn on your account
in any order. To assist
you in handling your account with us, we are providing you with the following
information regarding how we
process items that you write. When processing items drawn on your account,
our policy is to pay them
according to the dollar amount. We pay the smallest items first and
internal checks before third party checks.
The order in which items are paid is important if there is not enough money in
your account to pay all of the
items that are presented. Our payment policy minimizes the number of items
that may result in an overdraft
or
NSF fee. If an item is presented without sufficient funds in your account
to pay it, we may, at our discretion,
pay the item (creating an overdraft) or return the item (NSF). The amounts
of the overdraft and NSF fees are
disclosed elsewhere. We encourage you to keep accurate records and
practice good account management.
This will help you to avoid writing checks or drafts without sufficient funds
and incurring the resulting fees.
Member
FDIC
