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Regular Checking:

1OD and Returned Item Fees apply to overdrafts and returned items created by check, in person withdrawal, ATM withdrawal, or electronic means. Transactions may not be processed in the order in which they occur.  The order in which the transactions are received by the bank may affect the total amount of overdraft fees incurred on your account.  The bank offers customers the free service of preauthorizing the bank to transfer funds from a checking account, NOW account, Super Now, Insured Money Market account, or line of credit to clear their overdraft accounts.  This will be done by contacting our Bookkeeping Department.

Smart Club Checking:

1OD and Returned Item Fees apply to overdrafts and returned items created by check, in person withdrawal, ATM withdrawal, or electronic means. Transactions may not be processed in the order in which they occur. The order in which the transactions are received by the bank may affect the total amount of overdraft fees incurred on your account. The bank offers customers the free service of preauthorizing the bank to transfer funds from a checking account, NOW account, Super Now, Insured Money Market account, or line of credit to clear their overdraft accounts. This will be done by contacting our Bookkeeping Department.

2 Account holders other than Master Club or Master Club Super Now will be charged $2.00 per statement cycle for Processing & Delivery fee if they receive copies of check images with paper statements in the mail. 

Super Now Account:

1This Account is interest bearing. The interest rate and annual percentage yield may change. At our discretion, we may change the interest rate on the account weekly. Interest begins to accrue on the business day you deposit noncash items (for example, checks. Interest will be compounded monthly and will be credited to the account monthly. If the account is closed before interest is credited, you will not receive the accrued interest.

2OD and Returned Item Fees apply to overdrafts and returned items created by check, in person withdrawal, ATM withdrawal, or electronic means. Transactions may not be processed in the order in which they occur. The order in which the transactions are received by the bank may affect the total amount of overdraft fees incurred on your account. The bank offers customers the free service of preauthorizing the bank to transfer funds from a checking account, NOW account, Super Now, Insured Money Market account, or line of credit to clear their overdraft accounts. This will be done by contacting our Bookkeeping Department.