Checking

First Free Checking

• No minimum balance
• No service charge or debit fees
• Unlimited transactions
• Check images are not returned with the account statement. The first 3 copies of check images requested are free each statement cycle. Each additional copy of a check image is $0.50. Images are available at no charge from Internet Banking.

Premium Checking Account

• Interest bearing account with Premium rates
• Minimum balance to open $5,000
• No minimum balance to earn interest
• No service charge and unlimited debits if a $5,000 minimum daily balance is maintained. A $25.00 service charge will be imposed each month if the balance falls below $5,000 any day of the statement cycle.
• Qualify for Premium Money Market Account
• Free initial order of Premium account checks
• An accompanying no-minimum-balance First Free Checking account
• Bonus rates on Certificates of Deposit
• Preferred rates on qualifying installment loans
• Free ATM transactions on the Premium Checking Account, including four foreign ATM withdrawals per statement cycle
• Personal Line of Credit “emergency funds” available through internet banking**
• Free stop payments
• Free money orders
• Free traveler’s checks
• Free Internet Banking with unlimited Bill Pay
• Exclusive Travel Club Membership

First Checking

• Minimum balance to open $50
• A $7 monthly service charge each statement cycle includes 40 free debits. A $0.30 excessive debit fee will be charged each statement cycle for each check, paper debit or ATM withdrawal after 40.
• Free Greystone wallet checks or a $5 credit on each purchase of designer checks
• Free money orders
• Free traveler’s checks

Regular Checking

• Minimum balance to open $50
• No service charge and unlimited debits if a $500 minimum daily balance is maintained. A $5 service charge will be imposed each month if the balance falls below $500 any day of the statement cycle and a $0.30 debit fee will be charged each statement cycle for each check, paper debit or ATM withdrawal after 20.

NOW Interest Checking

• Interest bearing account
• Minimum balance to open $50
• No minimum balance to earn interest
• No service charge and unlimited debits if the minimum balance of $1,000 is maintained each day. If balance falls below $1,000 any day of the statement cycle, an excessive debit fee of $0.30 will be charged for each check, paper debit or ATM withdrawal after 20.
• A $4 service charge will be imposed each month if the balance falls between $500.00 - $999.99 any day of the statement cycle. A $6 service charge will be imposed each month if the balance falls below $500.00 any day of the statement cycle.
• For individuals age 50 and older, there are special benefits:
  • No service charge or debit fees
  • Free first box of checks (some restrictions do apply)
  • Free money orders
  • Free traveler’s checks
  • Free small safe deposit box for one year