Checking Builder Disclosure


This disclosure contains the rules which govern your deposit account. After 18 months of inactivity, your account will be classified as dormant and will be charge a monthly dormant fee if your account balance is less than $1,000.

Minimum Opening Deposit Requirements
To open this account you must deposit at least $50.00 or establish direct deposit.

Charges which may be applied to this account

Additional disclosure terms


The Monthly Fee of $12.95 will be reduced to $7.95 if you receive a direct deposit and/or if conduct a total of twenty (20) or more point-of-sale (POS) transactions during the statement cycle. Does not include transactions conducted through an ATM. Monthly Fees are assessed on the statement cycle date. Please allow enough available funds to remain in the account to cover service fees and avoid an overdraft situation.

If you choose to receive mailed paper statements with check images, then a $3 Paper Statement Fee per statement cycle will be assessed to your account.

DEBIT CARD AUTHORIZATION: Selected debit card transactions will be authorized by the Bank based on an unknown amount. This authorization amount may be greater than the actual purchase amount. In these cases, the Bank will withhold $20 to cover the transaction based on this unknown authorization until the merchant posts the actual purchase amount to your account. Once the actual purchase amount is posted to your account, if the actual purchase amount is less than $20, the difference will be credited to your account balance. The Bank also reserves the right to refuse debit card transactions attempted at certain merchants.

ACCOUNT GRADUATION: After your account has been open for 12 months, it will be eligible for graduation to any personal checking account. At that time, please contact us to discuss other personal checking account options.