The following fees may be assessed against your account and the following transaction limitations, if any, apply to your account

We reserve the right to at any time require not less than 7 days notice in writing before each withdrawal from an interest-bearing account other than a time deposit, or from any other savings account as defined by Regulation D.

ATM Withdrawal Fees - An ATM Withdrawal Fee of $1.50 will be charged for any withdrawal from checking or savings at any ATM with the exceptions of our ATM at the Alma Short Stop or at Ampride in Oxford . "Notice regarding ATM fees by others. If you use an automated teller machine that is not operated by us, you may be charged a fee by the operator and/or by the automated transfer network."

ATM Inquiry Fees - An ATM Inquiry Fee of $1.50 will be charged for each inquiry of checking or savings at any ATM.

Duplicated ATM Card Fees - There will be a charge of $15.00 to get a duplicate ATM card in the event your card is lost or stolen.

Replacement ATM Card - There will be a charge of $5.00 to get a replacement ATM card in the event your card is mutilated.

Checking Account Fees

Regular Checking - A minimum balance of $100.00 is required to open this account.

• If your balance falls below $100.00 on any day in the monthly statement cycle, a service charge fee of $5.00 will be imposed once during the statement cycle.
• If your balance is at least $100.00 on every day in the monthly statement cycle but falls below $200.00 on any day during the monthly statement cycle, a service charge fee of $3.00 will be imposed once during the statement cycle.
• If your balance is a least $200.00 on every day in the monthly statement cycle falls below $300.00 on any day during the monthly statement cycle, a service charge fee of $1.00 will be imposed once during the statement cycle.
• If your balance does not fall below $300.00 any day during the monthly statement cycle, there will be no service charge fee imposed.
• A per check fee of $.20 will be charged for each debit transaction (withdrawal, check paid, automatic transfer or payment out of this account) in excess of 60 during a monthly statement cycle.

Senior Checking - A minimum balance of $100.00 is required to open this account.

• The service charge fee will not apply to senior citizens 62 years of age or older.

Main Street Gold Checking (Interest Bearing Account) - A minimum balance of $100.00 is required to open this account.

• A service charge fee of $4.00 will be imposed every statement cycle if the balance in the account falls below $200.00 any day of the cycle.

PAYC Checking - A minimum balance of $100.00 is required to open this account.

• A per debit charge of $.20 will be charged for each debit paid

Basic Checking (Business Checking) - A minimum balance of $100.00 is required to open this account.

• A service charge fee of $8.00 will be charged for each monthly statement cycle with unlimited checking.

Student Checking - A minimum balance of $50.00 is required to open this account.

• There will be no service charge fee for this type of account.

NOW Account (Interest Bearing Account) - A minimum balance of $1500.00 is required to open this account.

• A service charge fee of $5.00 will be imposed every statement cycle if the balance in the account falls below $1,000.00 on any day of the cycle. A per debit fee of $.20 will be charged for each debit in excess of 40 during a statement cycle.

SUPER NOW Account (Interest Bearing Account) - A minimum balance of $2,000.00 is required to open this account.

• A service charge fee of $5.00 will be imposed every statement cycle if per debit fee of $.20 will be charged for each debit in excess of 40 during a statement cycle.

Money Market Account (Interest Bearing Account) - A minimum balance of $2,500.00 is required to open this account.

• A service charge fee of $5.00 will be imposed every statement cycle if the balance in the account falls below $1,000.00 any day of the cycle.

Money Market Plus Account (Interest Bearing Account) - A minimum balance of $25,000.00 is required to open this account.

• A service charge fee of $20.00 will be imposed every statement cycle if the balance in the account falls below $10,000.00 any day of the cycle.

return to top