PERSONAL CHECKING

Coast Free Checking

A non-interest bearing account requiring no minimum balance and no monthly fee.

• No monthly fee
• $50 to open
• No minimum balance
• Unlimited check writing
• Free online banking with bill pay
• Free telephone access
• Free debit card
• Monthly image statement

NOW Checking

An interest bearing transaction account.

• Debit card
• Online Banking with Billpay
• Automated telephone banking
• Unlimited check writing
• Unlimited ATM withdrawals
• Interest compounded and credited monthly *
• $100 minimum deposit required to open this account
• $500 minimum balance required to avoid fees
• Maintenance fee of $10 per statement cycle and a per debit fee of $.25 if balance falls below $500 on any day during the statement cycle
• Must maintain a minimum balance of $1000 in the account each day to obtain disclosed APY.

* We may change the interest rate on your account at any time. We use the daily balance method to calculate the interest on your account. The method applies a daily periodic rate to the principal in the account each day. Interest begins to accrue on the business day you deposit non-cash items (for example, checks).

Senior Checking

An interest bearing checking account with additional services to customers, age 50 and older, with no monthly maintenance fee.

• Debit card
• Online Banking with Billpay
• Automated telephone banking
• Free custom style checks
• Unlimited check writing
• Unlimited ATM withdrawals
• Interest compounded and credited monthly*
• No fee on cashiers checks, traveler's cheques, money orders
• Discount on first year rental of safe deposit box
• $100 minimum deposit required to open
• Must maintain a minimum balance of $1000 in the account each day to obtain disclosed APY.

Advantage Checking

An easily accessible checking account for customers who maintain higher balances and want a higher rate of interest.

• Debit card
• Online Banking with Billpay
• Automated telephone banking
• Unlimited check writing
• Unlimited ATM withdrawals
• Interest compounded and credited monthly*
• No fee on cashiers checks, traveler's cheques, money orders
• First order of checks free
• Discount on first year rental of safe deposit box
• $1000 minimum deposit required to open this account
• Must maintain a minimum balance of $1000 in the account each day to obtain disclosed APY.
• Maintenance fee of $20 per statement cycle if balance falls below $1000 on any day during the statement cycle.

*We may change the interest rate on your account at any time. We use the daily balance method to calculate the interest on your account. The method applies a daily periodic rate to the principal in the account each day. Interest begins to accrue on the business day you deposit non-cash items (for example, checks).