Personal Checking Options

Regular Checking Account - Allows customers to access funds by On-line Banking, ATM card, ShazamChek Debit Card, Tele-Banker, or by traditional check. A minimum deposit of $50.00 is required to open a new account. If the average daily balance falls below $250.00, there is a service fee of $0.15 per each debit transaction (withdrawal, check paid, automatic transfer, or payment out of your account). Images of your canceled checks are returned monthly with your statement. You must deposit $50.00 to open a new Regular Checking Account.*

NOW Checking Account - Earns interest and requires a minimum average balance of $1,500.00 in order to avoid service charge fee. Customers can access funds by On-line Banking, ATM card, ShazamCheck Debit Card, Tele-Banker, or by traditional check. A minimum deposit of $1,500.00 is required to open a new account. If the average daily balance falls below $500.00, a service charge fee of $4.00 is implemented and a $0.15 fee per debit transaction (withdrawal, check paid, automatic transfer, or payment out of your account) is imposed. If the average daily balance falls between $500.00 and $999.99, a service charge fee of $3.00 is implemented and a $0.15 fee per debit transaction (withdrawal, check paid, automatic transfer, or payment out of your account) is imposed. If the average daily balance falls between $1000.00 and $1499.99, a service charge fee of $2.50 is implemented and a $0.15 fee per debit transaction (withdrawal, check paid, automatic transfer, or payment out of your account) is imposed in excess of 25 items during a statement cycle. We may change your interest rate and annual percentage yield at any time. 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. Interest will be compounded every month. Interest will be credited to your account every month. Images of your canceled checks are returned monthly with your statement.*

Super Now Checking Account - Earns interest and requires a minimum daily balance of $2,500.00 in order to avoid service charge fee. Customers can access funds by On-line Banking, ATM card, ShazamCheck Debit Card, Tele-Banker, or by traditional check. A minimum deposit of $2,500.00 is required to open a new account. If the daily balance falls below $2,500.00, a service charge fee of $10.00 is implemented. We may change your interest rate and annual percentage yield at any time. The 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. Interest will be compounded every month. Interest will be credited to your account every month. Images of your canceled checks are returned monthly with your statement.*

Money Market Deposit Account - Earns interest and has transaction limitations. Customers can access funds by On-line Banking, ATM card, ShazamCheck Debit Card, Tele-Banker, or by traditional check. A minimum deposit of $20.00 is required to open a new account. Transfer from a Money Market Deposit account to another account or to third parties by preauthorized automatic, telephone, or computer transfer are limited to six per statement cycle. The minimum amount you can withdraw is $300.00 per each check, transfer, or debit item. We may change your interest rate and annual percentage yield at any time. The 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. Interest will be compounded every month. Interest will be credited to your account every month. Images of your canceled checks are returned monthly with your statement.

Student Checking Account - Student Checking is a great way to learn positive banking habits early on and is available to high school and college students, ages 12-24, with no service charge fees. Students can access funds by On-line Banking, ATM card, ShazamCheck Debit Card, Tele-Banker, or by traditional check. A minimum deposit of $20.00 is required to open a new account. To avoid service charge fees, a balance of $0.01 or higher must be maintained. When the account is opened the student will receive a complimentary box of Clayton Ridge Eagle checks and the first year for an ATM card will be free. Images of your canceled checks are returned monthly with your statement. For more information, contact a customer service representative today! Student Checking switches over to a Regular Checking Account when the student finishes school.

Senior Citizen Checking - Provides seniors with the flexibility and low cost account they need with the services they want. Customers can access funds by On-line Banking, ATM card, ShazamCheck Debit Card, Tele-Banker, or by traditional check. A minimum deposit of $50.00 is required to open a new account. To avoid service charge fees, a balance of $0.01 or higher must be maintained. Images of your canceled checks are returned monthly with your statement.

* Service charges are subject to Iowa state sales and local option tax.