Disclosures
Basic Banking
Totally Free Checking
Interest Checking
Carrollton Select Checking
Premium Money Market
Totally Free Savings
Association Checking
Business Interest Checking
Business Checking
Business Premium Money Market
Basic Banking
This account comes with these convenient features:
Free Debit Card
Free Online Banking & Mobile Banking
Free Account Alerts
Access to 30,000 Free ATMs
Monthly fee — There is a $5.00 monthly service charge.
Overdraft Protection is not offered for this account.
There is no access to Bill Pay, External Transfers or Zelle Payments with this account.
This account does not allow check writing; withdrawals from this account must be by Direct Debit, Debit card, ATM, or in person.
Checks deposited to this account must be payable to the account owner. Checks requiring a double endorsement cannot be deposited to, or cashed against, this account.
Mobile carrier fees may apply if you access account services on your mobile phone.
Totally Free Checking
It's really free. You don’t have to make direct deposits, open other accounts or make debit card purchases. Printed statements are free too.
You get your debit card and PIN when you open your account. There's no waiting for the mail. And if you lose it, we replace it immediately.
There is no minimum balance and no monthly service charge.
This account also comes with these convenient features:
Free Debit Card
Free Online Banking & Mobile Banking
Free Mobile Deposit
Free Account Alerts
Access to 30,000 Free ATMs
Deposit limitations — You may make an unlimited number of deposits into your account.
Mobile carrier fees may apply if you access account services on your mobile phone.
Interest Checking
This account comes with these convenient features:
Free Debit Card
Free Online Banking & Mobile Banking
Free Mobile Deposit
Free Account Alerts
Access to 30,000 Free ATMs
$700 Overdraft Privilege Available
Interest is compounded monthly. Interest will be credited into this account monthly.
Minimum balance to avoid a fee — If, during any statement cycle, your average daily balance falls below $2,000.00, your account will be subject to a $7.50 Minimum Balance Fee for that statement cycle. The average daily balance is calculated by adding the balance in the account for each day of the period and dividing that figure by the number of days in the period.
Deposit limitations — You may make an unlimited number of deposits into your account.
Effect of closing an account — If you close your account before interest is paid, you will not receive the accrued interest.
Daily balance computation method — Interest is calculated by the daily balance method which applies a daily periodic rate to the balance in the account each day.
Accrual of interest on noncash deposits — Interest will begin to accrue no later than the business day we receive credit for the deposit of noncash items (for example, checks) into your account.
Additional Terms — The following additional terms apply to this account: The service charge on this account can be avoided by maintaining a $25,000 deposit balance or a $50,000 loan balance in an accompanying account owned by the same accountholder.
Mobile carrier fees may apply if you access account services on your mobile phone.
Carrollton Select Checking
The account for those age 55 or better.
This account comes with these convenient features:
Free Debit Card
Free Online Banking & Mobile Banking
Free Account Alerts
Access to 30,000 Free ATMs
Free Cashier’s Checks and Traveler’s Checks
Free Notary Service
50% Discount on Check Orders and Safe Deposit Rental
$400 Overdraft Privilege Available
Compounding frequency — Interest will be compounded monthly.
Crediting frequency — Interest will be credited into this account monthly.
Effect of closing an account — If you close your account before interest is paid, you will not receive the accrued interest.
Daily balance computation method — Interest is calculated by the daily balance method which applies a daily periodic rate to the balance in the account each day.
Accrual of interest on noncash deposits — Interest will begin to accrue no later than the business day we receive credit for the deposit of noncash items (for example, checks) into your account.
Minimum balance to avoid a fee — If, during any statement cycle, your average daily balance falls below $2,000.00, your account will be subject to a $7.50 Minimum Balance Fee for that statement cycle. The average daily balance is calculated by adding the balance in the account for each day of the period and dividing that figure by the number of days in the period.
Deposit limitations — You may make an unlimited number of deposits into your account.
Additional Terms — The following additional terms apply to this account: Customers must be 55 years of age or older to qualify for this account. The service charge on this account can be avoided by maintaining a $10,000 balance in an accompanying deposit or loan account owned by the same accountholder. This balance requirement must be maintained in order to receive the additional account benefits.
Mobile carrier fees may apply if you access account services on your mobile phone.
Premium Money Market
There is no minimum balance and no monthly service charge on this interest-bearing account.
This account comes with these convenient features:
Free Mobile Deposit
Free Online Banking & Mobile Banking
Free Account Alerts
Access to 30,000 Free ATMs
Compounding frequency — Interest will be compounded monthly.
Crediting frequency — Interest will be credited into this account monthly.
Effect of closing an account — If you close your account before interest is paid, you will not receive the accrued interest.
Daily balance computation method — Interest is calculated by the daily balance method which applies a daily periodic rate to the balance in the account each day.
Accrual of interest on noncash deposits — Interest will begin to accrue no later than the business day we receive credit for the deposit of noncash items (for example, checks) into your account.
Deposit limitations — You may make an unlimited number of deposits into your account.
Limitations on frequency of transfers — During any calendar month or statement cycle of at least four weeks, you may not make more than six withdrawals or transfers to another account of yours or to a third party by means of a preauthorized or automatic transfer or telephone order or instruction. If you exceed the transfer limitations set forth above in any statement period, your account will be subject to closure by the financial institution.
Mobile carrier fees may apply if you access account services on your mobile phone.
Totally Free Savings
There is no minimum balance and no monthly service charge on this interest-bearing account.
This account comes with these convenient features:
Free Mobile Deposit
Free Online Banking & Mobile Banking
Free Account Alerts
Access to 30,000 Free ATMs
Compounding frequency — Interest will be compounded quarterly.
Crediting frequency — Interest will be credited into this account quarterly.
Effect of closing an account — If you close your account before interest is paid, you will not receive the accrued interest.
Daily balance computation method — Interest is calculated by the daily balance method which applies a daily periodic rate to the balance in the account each day.
Accrual of interest on noncash deposits — Interest will begin to accrue no later than the business day we receive credit for the deposit of noncash items (for example, checks) into your account.
Deposit limitations — You may make an unlimited number of deposits into your account.
Limitations on frequency of transfers — During any calendar month or statement cycle of at least four (4) weeks, you may not make more than six (6) withdrawals or transfers to another account of yours or to a third party by means of a preauthorized or automatic transfer or telephone order or instruction. If you exceed the transfer limitations set forth above in any statement period, your account will be subject to closure by the financial institution.
Mobile carrier fees may apply if you access account services on your mobile phone.
Association Checking
This account comes with these convenient features:
No minimum balance
First 15 items are FREE
Access to 30,000 Free ATMs
Deposit limitations — You may make an unlimited number of deposits into your account.
Fees and Charges — The following fees and charges apply to this account:
- Monthly Maintenance Fee: $2.00 per month.
- Per Check Fee: $.15 per item fee for each check over 15 (total of Checks & Deposited Items) in a statement cycle.
- Deposited Item Fee: $.06 per item fee for each deposited item over 15 (total of Checks & Deposited Items) in a statement cycle.
Mobile carrier fees may apply if you access account services on your mobile phone.
Business Interest Checking
An interest-bearing business account.
Compounding frequency — Interest will be compounded monthly.
Crediting frequency — Interest will be credited into this account monthly.
Effect of closing an account — If you close your account before interest is paid, you will not receive the accrued interest.
Daily balance computation method — Interest is calculated by the daily balance method which applies a daily periodic rate to the balance in the account each day.
Accrual of interest on noncash deposits — Interest will begin to accrue no later than the business day we receive credit for the deposit of noncash items (for example, checks) into your account.
Minimum balance to avoid a fee — If, during any statement cycle, your average daily balance falls below $1,000.00, your account will be subject to a $7.50 Minimum Balance Fee for that statement cycle. The average daily balance is calculated by adding the balance in the account for each day of the period and dividing that figure by the number of days in the period.
Deposit limitations — You may make an unlimited number of deposits into your account.
Fees and Charges — The following fees and charges apply to this account:
- Per Check Fee: $.15 per item fee for each check in a statement cycle.
- Deposited Item Fee: $.06 per item fee for each deposited item in a statement cycle.
Additional Terms — The following additional terms apply to this account: Business entities eligible for this account include Sole Proprietors, Government Units and Non-Profit Organizations.
Mobile carrier fees may apply if you access account services on your mobile phone.
Business Checking
This business account offers 200 free items per month.
Minimum balance to open — The minimum balance required to open this account is $100.00.
Minimum balance to avoid a fee — If, during any statement cycle, your average daily balance falls below $2,500.00, your account will be subject to a $7.50 Minimum Balance Fee for that statement cycle. The average daily balance is calculated by adding the balance in the account for each day of the period and dividing that figure by the number of days in the period.
Deposit limitations — You may make an unlimited number of deposits into your account.
Fees and Charges — The following fees and charges apply to this account:
- There is no charge for the first 200 items in the monthly statement cycle.
- Each item over 200 incurs a $0.15 fee. An item is any check drawn against this account or check deposited into the account.
Mobile carrier fees may apply if you access account services on your mobile phone.
Business Premium Money Market
There is no minimum balance and no monthly service charge on this interest-bearing business account.
Compounding frequency — Interest will be compounded monthly.
Crediting frequency — Interest will be credited into this account monthly.
Effect of closing an account — If you close your account before interest is paid, you will not receive the accrued interest.
Daily balance computation method — Interest is calculated by the daily balance method which applies a daily periodic rate to the balance in the account each day.
Accrual of interest on noncash deposits — Interest will begin to accrue no later than the business day we receive credit for the deposit of noncash items (for example, checks) into your account.
Minimum balance to open — The minimum balance required to open this account is $100.00.
Deposit limitations — You may make an unlimited number of deposits into your account.
Limitations on frequency of transfers — During any calendar month or statement cycle of at least four (4) weeks, you may not make more than six (6) withdrawals or transfers to another account of yours or to a third party by means of a preauthorized or automatic transfer or telephone order or instruction. If you exceed the transfer limitations set forth above in any statement period, your account will be subject to closure by the financial institution.
Mobile carrier fees may apply if you access account services on your mobile phone.