Personal Checking

Low Minimum Balance Checking

• Minimum balance of $400 maintained NO charge
• $6.00 plus tax maintenance fee if minimum balance falls below $400
• Check Images returned free of charge

Senior Citizen Checking (60+)

• NO monthly service charge
• NO minimum balance
• NO charge for Check Card
• Check Images returned free of charge
• Free money orders, cashiers checks, and notary service

Student Checking (to age 22) (Birth date must be on file)

• NO service charge
• NO minimum balance
• NO per check fee
• Check Images returned free of charge
• NO charge for Check card

ESB Free Checking

• No Service Charge
• No minimum balance
• No per check fee
• No checks returned
• $2.00 per month for Check Card, plus tax

Health Savings

• NO minimum balance
• NO charges
• Interest Rate is set at the bank’s discretion