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    Ocean Plus Smart
Checking 		  Personal
Checking		   Student Express
Checking		   Senior Citizen
Checking 		  Preferred
Checking
Minimum Opening Balance   $20   $100   $20   $50   $1,000
Monthly Service Fee   None   $12 if minimum balance is
not met 		  None   None   $15 if minimum balance is not met
Minimum Balance Requirement   None   $500 Daily
Balance or
$1,500 Average Daily Balance		   None   None   $5,000 Daily
Balance or Average Daily Balance, or a Combined Average Daily Balance of $10,000 or More in Other Transaction Accounts.**
Unlimited Check Writing   check   check   check   check   check
Free First Order of Checks   check       check check
Additional orders
of standard
checks are free		  
Cost Per Item   None   None   None None None
24-Hour
Telephone Banking		   check   check   check check check
Free Online Banking   check   check   check check check
Free Bill Pay   check   check   check check check
Free Unlimited
Teller Service		   check   check   check check check
Free MasterCard®
Check Card		   check   check   check check check
Overdraft Protection   check   check   check check check
Can Earn Interest               check
Free Incoming Domestic Wire Transfers           check    
Free eStatements   check   check   check check check
Special Rates on CD's               check
Special Requirements
or Features		           Must be 18 years of age or older and a student to open this account. One-time overdraft or stop payment fee refunded over the lifetime of the account. Must be 55 years of age or over to open this account. **Checking, Money Market, Now or Savings accounts will be the only accounts that will be aggregated. CD's, IRA's and Loan balances not included.
Tax ID will determine aggregation.
 
 
 
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