Checking

Looking for a simple checking account that meets your needs? We have it. Let our knowledgeable bankers help you find it.

	Personal Checking	Personal NOW Account
Interest Paid	No	Yes
Balance required to earn interest	NA	Yes
ATM/Check Card – Unlimited use	Yes	Yes
Free Online Banking	Yes	Yes
Free Online Bill Pay	Yes	Yes
Check Paid Fee/Withdrawal Charge	Yes	Yes
Features	$500 average daily balance to avoid monthly service charge Free first order of basic checks Monthly service charges are waived for clients 60 years of age and over, Ledyard Plan clients and clients that have a monthly direct deposit. $4 monthly service charge and $.25 service charge for each check over 20 if average daily balance falls below $500 ATM/Debit Card services available*	$750 average daily balance to avoid monthly service charge and to earn interest Free first order of basic checks Monthly service charges are waived for clients 60 years of age and over, and Ledyard Plan clients $7 monthly service charge and $.25 service charge for each check over 20 if average daily balance falls below $750 ATM/Debit Card services available*

*Usage at a non-Ledyard ATM will incur a $1.00 ATM debit item charge – except for Ledyard Plan clients – and other institutions may impose an ATM fee.

NOTICE OF CHANGES IN TEMPORARY FDIC INSURANCE COVERAGE FOR TRANSACTION ACCOUNTS

All funds in a "noninterest-bearing transaction account" are insured in full by the Federal Deposit Insurance Corporation from December 31, 2010 through December 31, 2012. This temporary unlimited coverage is in addition to, and separate from, the coverage of at least $250,000 available to depositors under the FDIC's general deposit insurance rules.

The term "noninterest-bearing transaction account" includes a traditional checking account or demand deposit account on which the insured depository institution pays no interest. It also includes Interest on Lawyers Trust Accounts ("IOLTAS"). It does not include other accounts, such as traditional checking or demand deposit accounts that may earn interest, NOW accounts, and money-market deposit accounts.
 
For more information about temporary FDIC insurance coverage of transaction accounts, visit www.fdic.gov.