• An interest-bearing account that provides easy access to your money.


  • We use the daily balance method to calculate the interest on your account. This method applies a daily periodic rate to the principal in the account each day.
  • Interest will be compounded and credited to your account on or before the 29th day of each month.
  • If you close your account before interest is credited, you will receive the accrued interest.
  • Interest begins to accrue on the business day you deposit cash or noncash items.
  • You may make unlimited transfers or write checks to third parties from your account each month


  • No minimum deposit required to open the account.
  • You must maintain a minimum balance of $1,000 in the account each day to obtain the A.P.Y.
  • The interest rate and A.P.Y. may change at our discretion on your account weekly.
  • If your balance falls below the required minimum, your account will accrue interest at the same rate as our passbook savings account.


  • No fees for checks written on the account (limited to 6 checks per month).


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NOTICE OF EXPIRATION OF THE TEMPORARY FULL FDIC INSURANCE COVERAGE FOR NON-INTEREST-BEARING TRANSACTION ACCOUNTS: By operation of federal law, beginning January 1, 2013 funds deposited in a noninterest-bearing transaction account (including an Interest on Lawyer Trust Account) no longer will receive unlimited deposit insurance coverage by the Federal Deposit Insurance Corporation (FDIC). Beginning January 1, 2013, all of a depositor’s accounts at an insured depository institution, including all noninterest-bearing transaction accounts, will be insured by the FDIC up to the standard maximum deposit insurance amount ($250,000), for each deposit insurance ownership category. For more information, visit