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Bank of Cherokee County
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Deposits

Account Name
Features
Opening Balance
Balance to Avoid Service Charge
Service Charges
Interest Rate Annual Percentage Yield (APY)

BASIC

Checking

 

Unlimited Check Writing

ATM/VISA Debit Card (With Approval) $300 Daily Withdrawal Limit

$100

 

$600

 

If Minimum Balance Falls Below $500 -$8.00 Service Charge

If Minimum Balance Below $500 - $600 -$6.00 Service Charge

If Minimum Balance Above $600 - No Service Charge

$2.00 ATM/Visa Debit Card Monthly Maintenance Fee

 N/A

 

Scholar

Checking

 

ATM/VISA Debit Card (With Approval) $100 Daily Withdrawal Limit

10 Free Checks Per Month

 $50

 N/A

$3.00 Monthly Maintenance Charge

$0.50 Per Check Charge After 10 Free Monthly Checks

$2.00 ATM/Visa Debit Card Monthly Maintenance Fee

 N/A

Direct

Checking

 

Unlimited Check Writing

ATM/VISA Debit Card (With Approval) $300 Daily Withdrawal Limit

 $50

 N/A

No Monthly Maintenance Charge

ACH Direct Deposit is Required

$2.00 ATM/Visa Debit Card Monthly Maintenance Fee

 N/A

Balance

Checking

 

Unlimited Check Writing

ATM/VISA Debit Card (With Approval) $300 Daily Withdrawal Limit

 $100

 N/A

IF Combined Balances (DDA, Savings, CDs, or Loans) Over $10,000—No Service Charge

If Combined Balances Fall Below $10,000 - $8.00 Service Charge

$2.00 ATM/Visa Debit Card Monthly Maintenance Fee

 N/A

Classic 55

Account

 

Free Bank Checks; 25% Discount On Other Styles

Free Travelers Checks

Free Notary Services

Free In - Bank Transfers

Free ATM/VISA Debit Card (With Approval) $300 Daily Withdrawal

Interest Bearing

 $100

 $955

If Minimum Balance Falls Below $955.00 - $9.55 Service Charge

If Minimum Balance Above $955.00 - No Service Charge

No ATM/VISA Debit Card Monthly Maintenance Fee

Interest Rate 0.10%

APY 0.10%

 

NOW

Account

 

Unlimited Check Writing

ATM/VISA Debit Card (With Approval) $300 Daily Withdrawal Limit

Interest Bearing

 $1,000

 $1,000

If Minimum Balance Falls Below $1000.00 - $8.50 Service Charge

$2.00 ATM/VISA Debit Card Monthly Maintenance Fee

Interest Rate 0.25%

 APY 0.25% (No Minimum Balance) to obtain

PATRIOT

ACCOUNT

 

Unlimited Check Writing

Free ATM/Visa Debit Card (With Approval) $300 Daily Withdrawal Limit

First Patriotic Check Order Free

Interest Bearing

 $1000

 N/A

No Monthly Service Charge

No ATM/VISA Debit Card Monthly Maintenance Fee

*Must be Active Duty, Veteran, or Immediate Family of Those Currently Serving in Any Branch of U.S. Military. Police Force and First Responders are included.

 Interest Rate Varies Weekly

1.00% Below Daily Treasury Bill Rate

Super T

Account 

 

ATM/VISA Debit Card (With Approval) $300 Daily Withdrawal Limit
 
Interest Rate - 90 Day Treasury Bill Less .75%

 $7,500

 $7,500

If Minimum Balance Falls Below $7,500 – $10.00 Service Charge/Statement Cycle

$2.00 ATM/VISA Debit Card Monthly Maintenance Fee

Interest Rate Varies Weekly

0.75% Below Daily Treasury Bill Rate

Money Market

Account

ATM/Visa Debit Card (With Approval) $300 Daily Withdrawal Limit

Interest Bearing

 $3,000

 $3,000

If Minimum Balance Falls Below $3,000 – $8.50 Service Charge/Statement Cycle

Transactions are limited to 6 Per Month

$2.00 ATM/VISA Debit Card Monthly Maintenance Fee

Interest Rate 0.25%

APY 0.25%

Statement

Savings

Interest Bearing

$50

$50

If Minimum Balance Falls Below $50.00– $3.00

Transactions are limited to 18 Per Quarter

Interest Rate 0.25%

APY 0.25%

Commercial

Checking

125 Free Transactions

$500

N/A

Monthly Maintenance Fee - $9.50

Transactions In Excess of 125 Per Month - $0.20 Per Transaction

Earnings Credit of 0.25% On Each $1000 Average Balance To Offset Charges

N/A