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Checking

NOW Checking Account
Senior NOW Checking Account
Basic Checking Account
Money Market Account

NOW Checking Account

This is an interest bearing account. The rate may change after the account is opened. To view current rates, please visit Deposit Rates.

The minimum amount required to open this account is $500. A monthly fee of $5.00 will be imposed every statement cycle if the balance in the account falls below $500.00 any day of the cycle.

In order to obtain the disclosed annual percentage yield, you must maintain a minimum daily balance of $500.00.


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Senior NOW Checking Account

This is an interest bearing account available to customers who are at the age of 62 years and over.

The rate may change after the account is opened. To view current rates, please visit Deposit Rates.

The minimum amount required to open this account is $300. A monthly fee of $3.00 will be imposed every statement cycle if the balance in the account falls below $300.00 any day of the cycle.

In order to obtain the disclosed annual percentage yield, you must maintain a minimum daily balance of $300.00.


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Basic Banking Checking Account

This is a non-interest bearing account with no monthly maintenance fee. You must be a resident of New York State to open this account.

  • Minimum Balance to open: $25.00

  • Minimum Daily Balance to keep account open: $0.01

  • Unlimited amounts of Deposits and Withdrawals

  • Surcharge - Free Transactions at 55,000 ATMs, Worldwide.

  • Free Online Banking with Bill Pay

  • First Central Savings Debit Master Card

  • Free First Order of 50 Personalized Checks

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Money Market Account

This is a tiered variable rate account with limited check writing privileges. Your interest rate and annual percentage yield may change on your account at any time. To view current rates, go to Deposit Rates.

The minimum amount required to open this account is $500. A monthly fee of $5.00 will be imposed every statement cycle if the account balance falls below $500.00 any day of the cycle.

In order to obtain the disclosed annual percentage yield, you must maintain a minimum daily balance of $500.00.

In excess of six per monthly statement cycle, a per item fee of $1.00 will be charged for each debit transfers or withdrawals made by check, debit card, or similar order to third parties.

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