Personal Checking

Personal Checking	Basic Checking	55 Plus Checking	N.O.W. Account
Account Eligible For
A basic package of banking services with unlimited check writing and you plan to use your account balance to avoid a monthly service charge	A basic package of services with limited check writing	A great plan for senior citizens to manage their money with no restrictions. No monthly service charge.	An interest bearing checking account with unlimited check writing.
Pays Interest
No	No	No	Yes - Variable Tiered Rates, higher rates for higher balances
Minimum Opening Deposit
$100	$100	$100	$100
Minimum Daily Balance
$500 or Direct Deposit *	$0	$0	$1000
Account Maintenance Fee
$10	$0	$0	$10
Unlimited Check Writing
Yes	Max 15 withdrawals (Excessive Transaction Fee is $0.15 per transaction)	Yes	Yes
Online Banking
Free Access	Free Access	Free Access	Free Access
Other Benefits and Features
24/7 access to account via online. Unlimited Teller Service. Unlimited check writing. Surcharge free withdrawals at EverTrust Bank ATM’s and STARsf® ATMs	24/7 access to account via online. Unlimited Teller Service. Surcharge free withdrawals at EverTrust Bank ATM’s and STARsf® ATMs	24/7 access to account via online. Unlimited Teller Service. Unlimited check writing. Surcharge free withdrawals at EverTrust Bank ATM’s and STARsf® ATMs	24/7 access to account via online. Unlimited Teller Service. Unlimited check writing. Surcharge free withdrawals at EverTrust Bank ATM’s and STARsf® ATMs

*A qualifying Direct Deposit is a Direct Deposit of your salary, pension, Social Security, or other regular monthly income electronically deposited to your account by your employer or an outside agency. Transfers from one account to another, or deposits made at a branch or ATM, do not qualify as a Direct Deposit.