Checking

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Account Type Advantage Plus
Checking
Advantage
Checking
Merit Checking Easy Checking
Special Features
Cyberscout® Identity Protection
 
Cell Phone Protection Plan
 
Online Shopping Discounts
 
 
Tiered Interest Rates Dependent on Balance
 
 
 
Interest Bearing
 
 
Free Cashier Checks
 
Free KVB Wallet Checks
 
 
 
None
Service Charges
 $4.00
$5.00
 $5.00
 $0.00
 $0.00
Ways to Reduce
Service Charges
  E-Statements
 
Debit Card Swipes
  Minimum Average Daily Balance of $2,500.00
Minimum Average Daily Balance of $1,000.00
 
N/A
 
N/A
Account Requirements
 
 
$50.00 Minimum Opening Deposit
 
 
 $2,500.00 Minimum Opening Deposit
 
 
 $1,000.00 Minimum Opening Deposit
$50.00 Minimum Opening Deposit
 
Required Age to Qualify for the Account is 60
 
 
 $50.00 Minimum Opening Deposit
Pays Interest
 
No
Yes - On Daily Collected Balances of $2,500.00 or Higher
Yes - On Daily Collected Balances of $1,000.00 or Higher
 
No
 
No
Free Online Banking and Visa Debit Card
Yes
Yes 
Yes
Yes
Yes

Lux Checking

  • $4.00 Monthly Service Charge
  • $50.00 Minimum Opening Deposit
  • No Minimum Balance Required
  • Unlimited Withdrawals
  • Free Online Banking and Visa Debit Card
Fee Reduction
$0.25 Deduction on Every Debit Card Swipe
$1.00 Deduction for Signing up for E-Statement
The maximum discount applied monthly is $4.00 and only credited to offset the monthly service fee.
Special Features
Cyberscout® Identity Protection
Cellular Telephone Protection
Shopping, Travel & Attraction Discounts

Advantage Plus Checking

  • $5.00 Monthly Service Charge if balance requirement is not met
  • $2,500.00 Minimum Opening Deposit
  • Tiered interest
  • Free Online Banking and Visa Debit Card
Features
Fees
$2,500.00 Minimum Balance No Service Charge
If the balance falls below $2,500.00 at any time during the statement cycle $5.00 Service Charges
Tier Interest Rate Annual Percentage Yield (APY)
$0.00 - $2,500.00 0.00% 0.00%
$2,500.01 - $10,000.00 0.10% 0.00% - 0.10%
$10,000.01 - $25,000.00 0.30% 0.10% - 0.22%
$25,000.01 and above 0.55% 0.22% - 0.55%
  • Interest Rate Subject to Change Daily
  • You must maintain an average daily balance of $2,500.00 or more to earn interest


Advantage Checking

  • $5.00 Monthly Service Charge if balance requirement is not met
  • $1,000.00 Minimum Opening Deposit
  • Earns Interest on Balances of $1,000 or More
  • Free Online Banking and Visa Debit Card
Features Fees
$1,000.00 Minimum Balance No Service Charge
If the balance falls below $2,500.00 at any time during the statement cycle $5.00 Service Charge
Interest Rate Annual Percentage Yield (APY)
0.10% 0.10%
  • Interest Rate Subject to Change Daily
  • You must maintain an average daily balance of $1,000.00 or more to earn interest
 


Merit Checking

  • No Monthly Service Charges
  • $50.00 Minimum Opening Deposit
  • 60 yrs Old to Qualify
  • Free Cashier Checks
  • Free Online Banking and Visa Debit Card
Features Fees
No Minimum Balance Required $0.00
This account meets your everyday banking needs and keeps banking simple all at the same time



Easy Checking

  • No Monthly Service Charges
  • $50.00 Minimum Opening Deposit
  • Free Online Banking and Visa Debit Card
Features Fees
No Minimum Balance Required $0.00
This account meets your everyday banking needs and keeps banking simple all at the same time