Checking

Interest Checking
This account offers competitive interest rates with a low minimum daily ledger balance, unlimited check writing privileges and no monthly service fee. Opening deposit $100.
            • Tiered interest rate on daily ledger balances of $500 to $1000 to $1500
            • Interest compounded daily and paid monthly
            • Free Instant Cash or free Instant Cash & Check Card for qualifying customers
            • Free access to Place ‘N Click® Online Banking.
            • Ready Credit Overdraft Protection available for qualifying customers
            • $500.00 minimum balance to earn interest
            • Monthly statement with images of checks
            • Combined monthly statement which includes: checking, savings and certificates of deposit
No monthly service fee if minimum ledger balance of $500 or a combined ledger balance of $5000 is
maintained. If the above minimum balances are not maintained, a $12/month service fee will be assessed.

Club Account
This account offers special services and discounts to customers, no minimum balance and generous
check writing privileges. Opening deposit $100.
            • Free Instant Cash or free Instant Cash & Check Card for qualifying customers
            • Free access to Place ‘N Click® Online Banking
            • Free personalized specialty checks (200 at a time)
            • 35 debits/checks per month at no charge. Over 35 debits/checks $.35 per item
            • $10,000 Basic Plan –– Accidental Death & Dismemberment Insurance
            • $25,000 Family Plan –– Accidental Death & Dismemberment Insurance
            • Free Traveler’s Check Cards, Money Orders and Notary Service
            • Ready Credit Overdraft Protection available at a discounted rate for qualifying customers
            • 0.50% discount on installment loans with 21st Century Bank (non-real estate)
            • $100.00 discount on closing costs with 21st Century Mortgage Division
            • Monthly statement with images of checks
            • Combined monthly statement which includes checking, savings and certificates of deposit
                                          (See Club Account brochure for additional features and details)
Monthly Service Fee: $6 Basic Plan, $8 Family Plan

Free Checking
This account offers no minimum balance, no monthly service fee, and no check writing limits. Opening deposit $50.
            • Free Instant Cash or free Instant Cash & Check Card for qualifying customers
            • Free access to Place ‘N Click® Online Banking
            • Ready Credit Overdraft Protection available for those who qualify
            • Monthly statement
            • Combined monthly statement which includes checking, savings and certificates of deposit
            • Images of checks available for $5 per month
Monthly Service Fee: $0

Money Market Account
This account offers higher competitive interest rates for customers with balances of $2500 and above with the flexibility to move your money. Opening deposit $2500.
            • Tiered interest rates based on amounts held in account
            • Interest compounded daily and paid monthly
            • $2500.00 minimum balance to earn interest
            • Free Instant Cash or Instant Cash & Check Card for qualifying customers
            • Free access to Place ‘N Click® Online Banking
            • Three debits/checks plus three transfers per month
            • Monthly statement with images of checks
            • Combined monthly statement which includes checking, savings and certificates of deposit
No monthly service fee if a minimum balance of $2500 is maintained. If the minimum balance is
not maintained, a $13 per month service fee plus $.35 per debit/check will be assessed.

55 Plus Checking
This account offers all of the benefits of our Free Checking account and more. Opening deposit $50.
            • Free Instant Cash or free Instant Cash & Check Card for qualifying customers
            • Free access to Place ‘N Click® Online Banking
            • Free personalized specialty checks (200 at a time)
            • Ready Credit Overdraft Protection available for qualifying customers
            • Monthly statement with images of checks
            • Combined monthly statement which includes checking, savings and certificates of deposit
Monthly Service Fee: $0
     
See 'Interest Rate' page


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