This is our basic checking account available with great terms and options.

Dividend Rate

Please refer to our Savings Rates.

Requirements and Description**

	No minimum balance.
	No monthly service charge with direct deposit.
	Automatic overdraft protection from primary shares.  Minimum balance of $25 in your primary share account must be maintained.
	Dividends declared and paid monthly.
	Statements mailed monthly.
	Debit Card, ATM Card and Bill Pay Service available.

**Please refer to the Rate and Fee Schedule for more account disclosures.

To open a share draft account today, complete an account modification card.