Spratt Advantage – Relationship Banking Package

Spratt Advantage is our premium retail banking package. It is anchored with your primary checking account (at least one monthly direct deposit and e-statement enrollment required).  Then you must have at least one additional savings or loan account.

Your Advantages include:  No monthly services charges on your primary account.  Free checks on your primary account.  Higher rate certificates of deposit.  Higher rate on savings accounts. No fee for official checks.  Discount safe deposit rates.  Free notary services.     Contact us today for more information!

NOW Checking

Interest compounds daily and is paid per statement cycle.  Checking with a low minimum balance requirement to avoid a per statement cycle fee.

• $100 to open
• $200 minimum balance requirement to avoid a per statement cycle fee
• Earns interest
• Online banking
• VISA ® check card*
• SOS** available*

College Student Checking

No fee checking for full-time college students ages 18-25.

• $100 to open
• No monthly fees
• No minimum balance requirement to avoid per statement cycle fee
• Online banking
• VISA ® check card*
• SOS** available*

Seniors Checking

Designed for seniors 55 years of age or older.  No minimum balance required to avoid a service fee.  Earn interest that is compounded daily and paid per statement cycle.

• $100 to open
• Pays interest that is compounded daily, paid per statement cycle
• Online banking
• VISA ® check card*
• SOS** available*

Market Rate Checking

Earn a higher interest rate with this account while enjoying check writing privileges.

• $2,500 to open
• Interest compounded daily and paid per statement cycle
• Online banking
• VISA ® check card*
• SOS** available*