an open checkbook, money, and statetment on a desk.

Regular Checking (DDA)

• No Service Charge if you maintain a minimum daily balance of $300
• Minimum Opening Deposit: $300
• A service charge of $5.00 will be imposed each month that the balance in the account falls below $300 during the month
• 24-Hour Toll-Free Phone Banking
• Internet Banking/Mobile Banking/Billpay
• VISA Check Debit Card / ATM Card (subject to approval)
• Unlimited Check Writing (no per-check charges!)

Student Checking
For Full-Time High School or College Students

• No Monthly Service Charge
• Minimum Opening Deposit: $100
• Minimum Balance Requirement: $0
• Internet Banking/Mobile Banking/Billpay
• 24-Hour Toll-Free Phone Banking
• VISA Check Debit Card / ATM Card (subject to approval)
• Unlimited Check Writing (No Per Check Charges)
• Age limit to Age 24

Hometown Checking
Service Charge: $7.50

• Complimentary Personalized Checks
• Minimum Opening Deposit: $300
• Minimum Balance Requirement: $0
• ID Protect Service, which includes:
  • Identity Theft Expense Reimbursement up to $10,000
  • Identity Theft Resolution Services
  • 3-in-1 Credit File Monitoring (Registration and activation required)
  • 3-in-1 Credit Report every 90 days at no charge (Registration and activation required)
  • Continuous Identity Monitoring
• Debit & Credit Card Registration (Registration and activation required)
• $10,000 Accidental Death and Dismemberment Insurance                                                            (Insurance is subject to policy eligibility, terms and exclusions. It is not insured by the FDIC or any other Federal government agency. This is not a bank guarantee, and it is not a deposit.)
• Buyers Protection & Extended Warranty
• Unlimited Check Writing (no per check charges)
• Internet Banking/Billpay/Mobile Banking
• Interest on Checking – You earn interest on your daily balance any day it exceeds $1,000 at the current Advantage Checking rate.  When your daily balance exceeds $2,500, you earn at the Advantage Plus Checking rate! For current interest rates, call us at 859-336-3939.
• Cellular Telephone Protection
• Health Discount Savings (Registration and activation required)
• Travel & Entertainment Discounts w/ Optional Mobile App (Registration and Activation required)
• VISA Check Debit Card (subject to approval)
• 24 Hour Toll Free Phone Banking

Advantage Plus Checking

• With a minimum balance of $2,500, you earn interest on this account.  A service charge of $5.00 is imposed each statement cycle that the balance in the account falls below $2,500 any day of the cycle.
• Minimum Opening Deposit: $2,500
• Interest will be compounded and credited to your account every month it is accrued.  For current interest rates, call us at 859-336-3939.
• Internet Banking/Mobile Banking/Billpay
• 24-Hour Toll-Free Phone Banking
• VISA Check Debit Card / ATM Card (subject to approval)
• Unlimited Check Writing (no per-check charges!)

Advantage Checking

• With a minimum balance of $1,000, you earn interest on this account.  A service charge of $5.00 is imposed each statement cycle that the balance in the account falls below $1,000 any day of the cycle.
• Minimum Opening Deposit: $1,000
• Interest will be compounded and credited to your account every month it is accrued.  For current interest rates, call us at 859-336-3939.
• Internet Banking/Mobile Banking/Billpay
• 24-Hour Toll-Free Phone Banking
• VISA Check Debit Card / ATM Card (subject to approval)
• Unlimited Check Writing (no per-check charges!)