Personal Checking

DDA Personal Account

Minimum Balance Requirements
  • You must deposit $100.00 to open this account.
  • If the account balance falls below $700 during a statement cycle, then an account Service Charge (maintenance fee) of $6.00 will be charged for that statement period.
  • If the account balance falls below $500 during a statement cycle, then an account Service Charge (maintenance fee) of $7.00 will be charged for that statement period.
  • If the account balance falls below $300 during a statement cycle, then an account Service Charge (maintenance fee) of $8.00 will be charged for that statement period.
Processing Order
  • The numbered list below is the order in which debits and credits are posted to your account. 
    1. All credit transactions
    2. ATM/Debit Card Transactions
    3. Bill Pay Transactions (Paid in smallest amount to largest amount order)
    4. Forced paid Checks
    5. All other paper debits (Paid in check number)
    6. ACH Transactions (Paid in smallest amount to largest amount order)
    7. All other Electronic Items (i.e.: Return charge, Overdraft charge, Service charge, ATM fee, In-house transfer charge, Auto transfers, Auto loan payments, etc.)
Transaction Limitations
  • No transaction limitations apply to this account

DDA Student Account

Eligibility Requirements
  • Available to customers enrolled in a primary or secondary school and/or college, trade school or university, with no service charge
Minimum Balance Requirements
  • You must deposit $100.00 to open this account.
Processing Order
  • The numbered list below is the order in which debits and credits are posted to your account. 
    1. All credit transactions
    2. ATM/Debit Card Transactions
    3. Bill Pay Transactions (Paid in smallest amount to largest amount order)
    4. Forced paid Checks
    5. All other paper debits (Paid in check number)
    6. ACH Transactions (Paid in smallest amount to largest amount order)
    7. All other Electronic Items (i.e.: Return charge, Overdraft charge, Service charge, ATM fee, In-house transfer charge, Auto transfers, Auto loan payments, etc.)
Transaction Limitations
  • No transaction limitations apply to this account.

DDA Personal Account – Age 65 and over

Eligibility Requirements
  • Primary customers that are age 65 and over qualify for this account, with no Service Charge.
Minimum Balance Requirement
  • You must deposit $100.00 to open this account.
Processing Order
  • The numbered list below is the order in which debits and credits are posted to your account. 
    1. All credit transactions
    2. ATM/Debit Card Transactions
    3. Bill Pay Transactions (Paid in smallest amount to largest amount order)
    4. Forced paid Checks
    5. All other paper debits (Paid in check number)
    6. ACH Transactions (Paid in smallest amount to largest amount order)
    7. All other Electronic Items (i.e.: Return charge, Overdraft charge, Service charge, ATM fee, In-house transfer charge, Auto transfers, Auto loan payments, etc.)
Transaction Limitations
  • No transaction limitations apply to this account

MMA Personal Account

Variable Rate Information
  • Call 979-732-2332 for current rates.
  • Your interest rate and annual percentage yield may change.
  • Determination of Rate: At our discretion, we may change the interest rate on your account.
  • Frequency of Rate Change: We may change the interest rate on your account at any time.
  • Limitations on Rate Changes: There are no maximum or minimum interest rate limits for this account
Compounding and Crediting
  • Interest will be compounded daily and will be credited to your account monthly.
  • If you close your account before interest is credited, you will not receive the accrued interest.
Minimum Balance Requirements
  • You must deposit $10,000.00 to open this account.
  • A minimum balance Service Charge (maintenance fee) of $8.00 will be imposed every statement cycle if the balance falls below $5,000.00 any 1 day of the statement cycle.
  • You must maintain a minimum daily balance of $5,000.00 in the account each day to obtain the disclosed annual percentage yield.
  • You will earn interest for every day during the period that your account equals or exceeds the minimum daily balance requirement.
Processing Order
  • The numbered list below is the order in which debits and credits are posted to your account. 
    1. All credit transactions
    2. ATM/Debit Card Transactions
    3. Bill Pay Transactions (Paid in smallest amount to largest amount order)
    4. Forced paid Checks
    5. All other paper debits (Paid in check number)
    6. ACH Transactions (Paid in smallest amount to largest amount order)
    7. All other Electronic Items (i.e.: Return charge, Overdraft charge, Service charge, ATM fee, In-house transfer charge, Auto transfers, Auto loan payments, etc.)
Balance Computation Method
  • We use the daily balance method to calculate interest on your account.
  • This method applies a daily periodic rate to the principal in the account each day.
Accrual on Noncash Deposits
  • Interest begins to accrue on the business day you receive credit for the deposit of noncash items (for example: checks).
Transaction Limitation
  • You may make an unlimited number of withdrawals when made in person.
  • You may also make six other automatic or preauthorized transfers per statement period: however, no more than three may be made by check, draft, or similar device to third parties.
  • Any excess carries a $5.00 excessive withdrawal penalty per item and may be subject to nonpayment of interest to comply with federal requirements.
Current Rate Information
  • The rate(s) and annual percentage yield(s) disclosed above were offered and accurate within the most recent seven calendar days.
  • To obtain current rate and percentage yield information, please call 979-732-2332.

NOW Personal Account

Eligibility Requirements
  • Business Accounts are subject to eligibility requirements.
Variable Rate Information
  • Call 979-732-2332 for current rates.
  • Your interest rate and annual percentage yield may change.
  • Determination of Rate: At our discretion, we may change the interest rate on your account.
  • Frequency of Rate Change: We may change the interest rate on your account at any time.
  • Limitations on Rate Changes: There are no maximum or minimum interest rate limits for this account.
Compounding and Crediting
  • Interest will be compounded daily and will be credited to your account monthly.
  • If you close your account before interest is credited, you will not receive the accrued interest.
Minimum Balance Requirements
  • You must deposit $1,500.00 to open this account.
  • A Service Charge (maintenance fee) of $8.00 will be imposed every statement cycle if the average daily balance for the statement cycle falls below $1,500.00.
  • The average daily balance is calculated by adding the principal in the account for each day of the period and dividing that figure by the number of days in the period.
  • You must maintain a minimum daily balance of $1,500.00 in the account each day to obtain the disclosed annual percentage yield.
  • You will earn interest for every day during the period that your account equals or exceeds the minimum daily balance requirement.
Processing Order
  • The numbered list below is the order in which debits and credits are posted to your account. 
    1. All credit transactions
    2. ATM/Debit Card Transactions
    3. Bill Pay Transactions (Paid in smallest amount to largest amount order)
    4. Forced paid Checks
    5. All other paper debits (Paid in check number)
    6. ACH Transactions (Paid in smallest amount to largest amount order)
    7. All other Electronic Items (i.e.: Return charge, Overdraft charge, Service charge, ATM fee, In-house transfer charge, Auto transfers, Auto loan payments, etc.)
Balance Computation Method
  • We use the daily balance method to calculate interest on your account.
  • This method applies a daily periodic rate to the principal in the account each day.
Accrual on Noncash Deposits
  • Interest begins to accrue on the business day you receive credit for the deposit of noncash items (for example: checks).
Transaction Limitations
  • You may make 20 withdrawal(s) from your account every statement cycle.
  • A Service Charge (per item charge) of $.20 will be imposed for each subsequent debit.
Current Rate Information
  • The rate(s) and annula percentage yield(s) disclosed above were offered and accurate within the most recent seven calendar days.
  • To obtain current rate and percentage yield information, please call 979-732-2332.

 

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