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Checking Account


1. Checking Accounts

a) Personal Checking Account
-- Minimum $100 to open account
-- Non-interest bearing
*A monthly service charge of $15 and an activity charge of $0.20 per transaction can be waived either if the average daily balance is above $1,500 or tied up with Direct Deposit**.
**$250 or more per Direct Deposit is required. The direct deposit needs to be an electronic deposit of your pay, pension, or government benefits (such as Social Security) from your employer or the government.
*** No ATM access fees for accounts with a daily minimum average balance of $5,000 or above. The service charges will be refunded at the end of the month.

b) Basic Checking Account
A low balance of just $25 to open an account, with a monthly service charge of $3, provided that the account holder does not maintain any other transaction accounts at the Bank
-- No minimum balance requirement
-- No bank charges up to 12 withdrawal transactions, including checks *
-- Unlimited deposits
-- Non-interest bearing
*An activity charge of $0.20 per withdrawal transaction applies starting from the 13th check

2. Senior Citizen NOW Account

-- Designed for individuals aged 62 and over
-- Simple interest rate, minimum $50 to open an account
-- $300 minimum average daily balance is required to waive monthly service fee of $10
-- Unlimited check writing
-- No per check charge