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Checking

Regular Checking

  • Minimum deposit of $50.00 is required at opening.
  • There is no interest earned on this account.
  • Depositors must maintain a minimum balance of $500.00 in the account each day to avoid a monthly service charge ($5.00). This fee is waived if a compensating balance of $1,000.00 is maintained in a Statement Savings Account.



Student Checking

  • Includes all the requirements and services provided to regular checking account holders.
  • The monthly service charge will be waived for FULL-TIME students until the age of 22.



Golden Checking

  • All the requirements and services provided to regular checking or club checking account holders.
  • The monthly service charge will be waived for accountholders age 55 and older.
  • Existing accountholders who attain age 55 must notify Chester National Bank to qualify.



Club Checking

  • Minimum deposit of $50.00 is required at opening.
  • There is no interest earned on this account.
  • Depositors must maintain a minimum balance of $1,000.00 in the account each day to avoid a monthly service charge ($8.00). This fee is waived if a compensating balance of $2,000.00 is maintained in a Statement Savings Account.

Fee Schedule Fee Amount
Monthly service charge if the actual daily balance drops below $500.00 during the statement cycle $5.00
Fee for stop payment of all items $30.00
Overdraft Fee
Applies to Overdrafts created by check, in-person withdrawal,  ATM withdrawal, or other electronic means, as applicable.		 $30.00
Returned Item Fee $30.00
Photocopy of a paid check $5.00
First 20 Checks are Free; Thereafter, each check costs (activity fee) $0.20
Fee of initial check printing
(Wallet Greysmoke Checks are FREE for GOLDEN CHECKING CUSTOMERS)
(Cost for check printing varies depending on the style of checks ordered.)		 Actual Cost
Fee for returned third party check deposited to your account (per check) $10.00

Rate Information
There is no interest earned on this account.
A $25.00 Early Account Closing fee will be assessed if you close your account within 90 days from the opening date.

Minimum Balance Requirements
You must deposit $50.00 to open this account.
You must maintain a minimum balance of $500.00 in the account each day to avoid the monthly Service Charge. This Fee and the Activity Fee is waived if a compensating balance of $1,000.00 is maintained in a Statement Savings Account.*

Regulation E Transactions
We allow electronic check transactions to post to the customers Checking account.

Service Charges Waived Requirements Details
Student Checking For FULL-TIME students under the age of 22
Golden Checking Accountholder must be 55 or older to qualify. Existing accountholders who attain age 55 must notify the bank to qualify.

Fee Schedule Fee Amount
Monthly service charge if the actual daily balance drops below $1,000.00 during the statement cycle $8.00
Fee for stop payment of all items $30.00
Overdraft Fee
Applies to Overdrafts created by check, in-person withdrawal,  ATM withdrawal, or other electronic means, as applicable.		 $30.00
Returned Item Fee  $30.00
Photocopy of a paid check $5.00
Fee of initial check printing
(Wallet Greysmoke Checks are FREE for GOLDEN CHECKING CUSTOMERS)
(Cost for check printing varies depending on the style of checks ordered.)		 Actual Cost
Fee for returned third party check deposited to your account (per check) $10.00

Rate Information
There is no interest earned on this account.
A $25.00 Early Account Closing fee will be assessed if you close your account within 90 days from the opening date.

Minimum Balance Requirements
You must deposit $50.00 to open this account.
You must maintain a minimum balance of $1,000.00 in the account each day to avoid the monthly Service Charge. This Fee is waived if a compensating balance of $2,000.00 is maintained in a Statement Savings Account.**

Regulation E Transactions
We allow electronic check transactions to post to the customers Checking account.

Service Charges Waived Requirements Details
Golden Checking Accountholder must be 55 or older to qualify. Existing accountholders who attain age 55 must notify the bank to qualify.










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