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XTRA Checking

Personal Checking

XTRA Checking

Our XTRA Checking actually pays you!  And…XTRA Plus Checking gives you the freedom to save additional interest.  No Monthly Service Charge!

Details

Benefits of XTRA Checking:

To qualify do the following during the monthly statement cycle:

  • Have at least 10 debit card purchases post and clear each monthly statement cycle;
  • Have at least 1 automatic payment, bill pay or direct deposit post and clear each monthly statement cycle;
  • Access Online Banking, including thru Mobile Banking, once each monthly statement cycle;
  • Receive e-statements

If qualifications are met during the monthly statement cycle you will receive the following:

  • 1.05% APY* on balances up to $10,000
  • 1.05% to 0.23% APY* on balances above $10,000 depending on balance in account
  • ATM fee reimbursements up to $25

$50 minimum deposit to open

 


 

XTRA Plus Checking and XTRA Savings

XTRA Plus Checking gives you the freedom to save additional interest. Open an XTRA Savings account and the interest earned in your XTRA Plus Checking will automatically transfer to your XTRA Savings account each monthly statement cycle! No Monthly Service Charge!

Details

Benefits of XTRA Plus Checking:

To qualify do the following during the monthly statement cycle:

  • Have at least 10 debit card purchases post and clear each monthly statement cycle;
  • Have at least 1 automatic payment, bill pay or direct deposit post and clear each monthly statement cycle;
  • Access Online Banking, including thru Mobile Banking, once each monthly statement cycle;
  • Receive e-statements

If qualifications are met during the monthly statement cycle you will receive the following:

  • 1.05% APY* on balances up to $10,000
  • 1.05% to 0.23% APY* on balances above $10,000 depending on balance in account
  • ATM fee reimbursements up to $25
  • Interest earned is automatically transferred to the XTRA Savings account each monthly statement cycle

$50 minimum deposit to open

Benefits of XTRA Savings:

To qualify for XTRA Savings account rates, your XTRA Plus Checking account must meet all of the following account requirements each monthly statement cycle. The required monthly qualifications to receive the higher interest rate are:

  • Have at least 10 debit card purchases post and clear each monthly statement cycle;
  • Have at least 1 automatic payment, bill pay or direct deposit post and clear each monthly statement cycle;
  • Access Online Banking, including thru Mobile Banking, once each monthly statement cycle;
  • Receive e-statements

If qualifications are met during the monthly statement cycle you will receive the following:

  • 1.05% APY* on balances up to $10,000
  • 1.05% to 0.23% APY* on balances above $10,000 depending on balance in account
  • ATM fee reimbursements up to $25
  • Interest earned is automatically transferred to the XTRA Savings account each monthly statement cycle

$100 minimum deposit to open

 

If the requirements are not met:

  • You will not be charged a monthly service charge
  • You will earn the base rate of interest
  • You will not receive other bank’s domestic ATM fee refunds

 

 You may also be interested in:

  • Visa® Debit Card
  • Digital Banking & Bill Pay
  • Mobile Banking and Alerts
  • Telephone Banking
  • CardValet®

 

Account openings are subject to Bank approval.  Nonsufficient fund fees of $37.00 per debit item may apply if you withdraw more funds than are available in your account.  If the account is closed within the first six months an early close fee will be assessed.

*APY = Annual Percentage Yield.  APYs are accurate as of 05-16-18.  Rate and rate tiers may change at any time and without prior notice after the account is opened.  Minimum balance to open the XTRA Checking and XTRA Plus Checking account is $50.00 and $100.00 for the XTRA Savings.  For XTRA Checking and XTRA Plus Checking: For balances up to $10,000.00 the Annual Percentage Yield (APY) is 1.05%. For balances over that amount the current rate is 1.05% APY on the first $10,000.00 in deposits and an interest rate of 0.15% APY on the portion of the balance above $10,000.00 for an APY of 1.05% to 0.23% APY. If the qualifications are met, you will receive domestic ATM fee refunds up to $25.00 each monthly statement cycle and these will be posted as assessed. If you do not meet the above qualifications, you will still earn the base rate of 0.03% APY and you will not receive the domestic ATM fee refunds. Interest earned on the XTRA Plus Checking account is automatically transferred to the XTRA Savings account each monthly statement cycle. Qualifying transactions must post to and clear the XTRA Checking and XTRA Plus Checking account during the monthly statement cycle. Transactions may take one or more banking days from the date the transaction was made to post to and clear the account. ATM processed transactions do not count towards the qualifying debit card transactions. Transfers between your accounts with us do not count as qualifying transactions. For your XTRA Savings, if qualifications are met in the XTRA Plus Checking, 1) balances up to $10,000.00 in XTRA Savings receive an APY of 0.50%; and 2) balances over $10,000.00 in XTRA Savings earn 0.15% APY on the portion of the balance above $10,000.00, resulting in 0.50% APY – 0.18% APY depending on the balance. If qualifications are not met in XTRA Plus Checking, all balances in XTRA Savings earn 0.03% APY. Available to personal accounts only. Interest begins to accrue on the business day you deposit noncash items (for example, checks). The advertised XTRA Checking and XTRA Plus Checking APY is based on compounding interest. Interest will be compounded daily and will be credited to the account monthly. If the account is closed before interest is credited, you will not receive the accrued interest. Actual interest amount paid may be less than the advertised XTRA Checking and XTRA Plus Checking APYs. Fees may reduce earnings. Nonsufficient funds fees and miscellaneous fees apply to the XTRA Checking and XTRA Plus Checking accounts. No minimum balance required to maintain the account(s). See the Schedule of Fees for additional fees related to the account. Limit one XTRA/XTRA Plus Checking with XTRA Savings account per social security number.  ATM fee reimbursements, up to $25.00, provided only if qualifications are met within the monthly statement cycle.  ATM fee refunds post when assessed, once qualifications are met.  Nonsufficient fund fees per debit may apply if you withdraw more funds than are available in your account.  If you close your XTRA Plus Checking account and do not close your XTRA Savings account, then the XTRA Savings will revert to the Bank’s Regular Savings account. If you close your XTRA Savings account and do not close your XTRA Plus Checking account, then the XTRA Plus Checking will revert to the XTRA Checking account, or other product as chosen by you. E-statements are required. Third party message and data rates may apply.