CHECKING

We offer the following types of checking accounts:
 Village Account is our free checking account. You do not need to keep a required minimum balance in the account. 
Regular Account is a checking account where a service charge fee of $10.00 will be imposed per statement cycle if the balance falls below $100.00 any day of the cycle. This fee will be waived for customers 65 and over, full-time students 22 and under, and not-for-profit organizations. 
Villager Plus Account is for our customers over the age of 55 and have a Passbook Savings account with us. There is no minimum balance requirement. 
NOW Account is for customers who wish to earn interest on their checking account. The minimum balance to open this account is $1,000.00. A service charge fee of $10.00 will be imposed per statement cycle if the balance in the account falls below $1,000.00 any day of the cycle.


PASSBOOK SAVINGS

You must deposit $10.00 to open this account. A service fee of $5.00 will be imposed every month if the balance falls below $100.00 any day of the month. Fee will be waived for full time students 18 and younger. Transfers from a Passbook Savings account to another account or to third parties by preauthorized, automatic, or telephone transfer are limited to six per month with no more than three point-of-sale or similar order to third parties. An inactive fee of $10.00 will be charged each year if the account has had no deposits or withdrawals for two years and the daily balance is below $25.00.


ATM OR DEBIT CARDS

We offer ATM cards and MasterCard Debit Cards upon approval.


COMMON FEATURES

Reorder cards or PIN $ 10.00 
Cashier's checks $ 5.00 
Money orders $ 3.00 
Garnishments $100.00 
Levies $100.00 
Overdraft - each overdraft paid $ 30.00 (plus a daily charge of $5.00 for each day the overdraft exists) 
Nonsufficient funds(NSF)-returned items$ 30.00 
NSF chargeback $ 5.00                                                                                                                      Special statement cutoff $ 2.00 
Account research $50.00 first hour $10.00 each hour after

Account balancing assistance $10.00 per hour 
Telephone transfers $ 2.00 
Stop payments - each $ 30.00 
Photocopies $ .25 
Wire transfers $ 25.00 International wire transfers vary 
Collections $ 5.00 
Lost safe deposit key $ 50.00 
Drill safe deposit box $100.00 
Cash Reserve available upon approval


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