Personal Banking

Checking Accounts

Introducing PowerUp Checking...

looks like a checking account but pays like a CD.

It’s a new kind of checking account that turns your debit card purchases and a few
clicks of your mouse into an unexpected interest rate!

Here's How It Works:

• No Minimum Balance Requirement
• No Monthly Service Fees
• Free Online Banking
• Free Bill-Pay
• Unlimited Free Checkwriting
• Requires at Least 15 Debit Card Transactions per Statement Period
• Requires at Least One ACH Credit or Debit (Direct Deposit or Automatic Payment)
  per Statement Period
• Use of a Monthly E-Statement
• New Qualifying Cycle Begins Each Statement Period
• For Personal Accounts Only

Today's Rate:

2.50% APY* (Annual Percentage Yield) on balances up to $20,000

0.50% Interest Rate on any balance over $20,000 with an APY of 2.50% to 0.66%

For any statement period in which you don’t meet the above requirements, 0.10%
APY will be paid on all balances in the account.

It’s that simple. You deserve more for taking advantage of the efficiency that e-services
bring to managing your finances. And with PowerUp Checking, we give you
more.

PowerUp your checking – it’s financially elevating. Open your account today. Give us
a call or visit your neighborhood York Traditions Bank branch.

* APY accurate as of 9/7/10 and subject to change after account is opened. Minimum balance required to open account is $100.00.


Checking Products
If you write only a few checks each month, our Basic Checking account will fit your needs. This account has no minimum balance requirements and your first 10 checks each month are free. You'll pay a small monthly service charge of only $5, and $2 for each foreign ATM transaction.

Our Checking With Interest account offers tiered competitive interest rates that begin with a balance of $0.01. This account has unlimited check writing, and with a $1,000 minimum balance, there's no monthly service charge. If you're not able to maintain the minimum balance, the monthly fee is only $12 and you're still earning interest on your balance. Point of Sale transactions with a York Traditions MasterCard MasterMoney™ Debit Card are free as well as your first 5 foreign ATM transactions. In addition, we'll rebate the first 5 surcharges per statement cycle (up to $10) when you use someone else's ATM for a withdrawal.  Free financial consultation upon request.

Relationship Benefits
We appreciate your banking relationship so much that you qualify for a "no minimum balance" Checking With Interest account (and avoid a monthly service fee of $12) with any one of the following:

• Savings balance of $2,500 or more;
• Certificate of Deposit balance of $10,000 or more;
• Total Personal Loan balance of $15,000 or more;
• Or any combination of the above for a total of $15,000 or more.

And, you will receive a 50% discount on safe deposit box rental.

Traditions Privileges
Our Traditions Privileges account qualifies our Checking With Interest account owners, age 50 and older, for free specialty checks and a 50% discount on safe deposit box rental.

Savings Overdraft Protection
With our Savings Overdraft Protection service, balances in your York Traditions Bank Savings and Money Market Accounts can be used to cover a shortfall in your Business Checking With Interest account. All York Traditions Bank Personal Checking accounts and the Business Checking With Interest account qualify for this protection. It's your safety net when a situation presents itself, or if an honest mistake is made in your checkbook register. You'll have the peace of mind knowing your checks will be honored.

Money Market Account
If higher competitive interest rates and 24-hour access to your funds are what you are looking for, then a York Traditions Bank Money Market account may be the right account for you. Consider these benefits:

• $100 deposit to establish the account
• Earn higher interest rates as your account balance grows
• Write up to 6 checks per month *
• No monthly service fee when you maintain a minimum balance of $3,000

The service fee for balances in personal accounts that fall below $3,000 is $12 and is based on the daily minimum balance during the statement cycle.

York Traditions Bank Personal Interest Rates >>

*Federal regulations limit pre-authorized withdrawals, automatic or telephone transfers, checks, drafts, and debit card or other similar transactions to 6 per statement cycle from your account.  A fee of $5 applies for each transaction over the 6 permitted.