An interest bearing checking account that requires the customer to be 50 years of age or older and maintain a daily balance of $500.  Interest is based on the variable NOW account rate.  Account balances falling below $500 are charged a $7.00 monthly maintenance fee.  Many other club benefits apply to this account.  No service charge unless there are more than 33 checks or withdrawals during a monthly statement cycle.  Each check or withdrawal over 33 is $.25 cents.  You will be provided with two boxes of wallet printed club checks per year.  Debit cards are available by application.  The $1.00 per month fee for a debit card is waived.  Imaged items and monthly itemized statement will be provided. 
 
FDIC
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