Deposit Accounts
A 1st State Banker will help you select the account that’s right for you. Regardless of the size of your organization, we have a solution for you to manage cash, from a simple, straightforward checking account to a more customized approach to help manage complex banking needs.
| Checking | Plus Checking | Premium Money Market | |
|---|---|---|---|
| This account is for you... | Basic operating account with moderate to high banking activity. | Customers with moderate activity and balances, that would like to earn interest. | For organizations with larger deposit requirements, you will earn the maximum interest while still enjoying the convenience of writing checks. |
| Usage Guidelines | No monthly activity | No minimum balance requirement. 250 items allowed. Excess fees $0.25 per item over 250. | $25,000 Average Monthly Balance to avoid maintenance charge. Unlimited withdrawals if done in person or at the ATM. Preauthorized withdrawals, electronic transfers, and checks are limited to six per month. |
| (Transactions and minimum balance requirement.) | |||
| Minimum to Open | $50 | $50 | $50 |
| Monthly Maintenance Charge | N/A | N/A | $25 if minimum is not maintained. |
| Earnings Credit | N/A | N/A | N/A |
| Interest | N/A | Tiered** | Tiered** |
| Debit card | YES | YES | YES |
| Online Banking | YES | YES | YES |
| Check Images | YES | YES | YES |
| YES | YES |
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