Checking Accounts
Freedom Checking
- Minimum opening deposit $100.
- Unlimited check writing.
- No monthly service charge or minimum balance requirement.
- Monthly statement. Optional: Imaged checks returned ($4.95 monthly fee).
American Star Checking
- Minimum opening deposit $100.
- Unlimited check writing.
- A service charge of $7 will be imposed every statement cycle if the balance in the account falls below $500 any day of the statement cycle.
- Service charge waived and initial opening balance of $100 for senior citizens age 62 and over.
- Monthly statement. Imaged checks returned.
American Club Checking
- Exclusively for customers age 50 years or older.
- Minimum opening deposit $1,500.
- Unlimited check writing.
- A service charge fee of $15 will be imposed every statement cycle if the balance in the account falls below $1500 any day of the statement cycle.
- Free personalized safety wallet checks.
- No fee travelers checks, cashier’s checks, money orders and notary service.
- Free safe deposit box for one year.
- Monthly statement. Imaged checks returned.
- The bank reserves the right to require seven (7) days prior written notice of withdrawal.
NOW Account
- Minimum opening deposit $1000.
- A service charge fee of $10 will be imposed every statement cycle if the balance in the account falls below $1000 any day of the statement cycle.
- First 20 debits/withdrawals are at no charge; additional debits/withdrawals over 20 will be charged at $.20 each.
- Monthly statement. Imaged checks returned.
- The bank reserves the right to require seven (7) days prior written notice of withdrawal.
Super NOW Account
- Minimum opening deposit $2000.
- Unlimited check writing.
- A service charge fee of $10 will be imposed every statement cycle if the balance in the account falls below $2000 any day of the statement cycle and the interest rate will revert to the current NOW account rate for the days the daily balance is below the minimum required balance.
- Monthly statement. Imaged checks returned.
- The bank reserves the right to require seven (7) days prior written notice of withdrawal.
* Your interest rate and annual percentage yield may change at any time.



