Personal Banking
Regular Checking
A checking account designed for individuals.
- Unlimited transactions
- $100 minimum to open
- ATM & Debit Card services available*
- Online Banking services available
- Overdraft protection services available*
- Activity service charge = $8*
*Activity service charge waived with minimum balance of $800 or average collected balance of $1600 - Monthly statements with imaged items
Interest Checking
Pays a competitive rate of interest.
- Unlimited transactions
- $100 minimum to open
- Interest paid monthly on collected balances
- ATM & Debit Card services available*
- Online Banking services available
- Overdraft protection services available*
- Activity service charge $10*
*Activity service charge is waived with a minimum daily balance of $2500 or average collected balance of $5000 - Monthly statements with imaged items
Community Checking
A checking account that meets the needs of senior citizens, students, and organizations.
- Unlimited transactions
- $100 minimum to open
- ATM & Debit Card services available*
- Online Banking services available
- Overdraft protection services available*
- Activity service charge waived with minimum daily balance of $400 or average collected balance of $800
- Itemized monthly statements
Savings
A great way to save for the future and pays a competitive interest rate
- $100 minimum to open
- Three free withdrawals per month
- Interest paid quarterly on collected balances
- Unlimited deposits
- Online Banking services available
- Activity service charge waived with minimum daily balance of $400
- Three free withdrawals per month, after 3 withdrawals, $4 per debit
Minor Savings
A great way for children to begin saving.
- $100 minimum to open
- Three free withdrawals per month
- Interest paid quarterly on collected balances
- Unlimited deposits
- Free with parent checking account relationship.
(Monthly Activity Service Charge of $4 if minimum is not met) - Three free withdrawals per month, after 3 withdrawals, $4 per debit
Money Market Account
An account offering competitive market interest rates with access and flexibility.
- Minimum of $100 to open
- Activity service charge is waived with a minimum daily balance of $2500 or an average collected balance of $5,000
(Monthly activity service charge of $10 if minimum or average balances are not met) - Monthly statements with imaged deposits and checks.
- Interest paid monthly on collected balances
Tier 1 < $25,000
Tier 2> or equal to $25,000 - Limited check writing*
*Regulation D prohibits no more than 6 preauthorized withdrawals, 6 of which may be made payable to a third party per month. Withdrawals and transfers made in person are unlimited. There is a $10 charge of each violation.
Certificates of Deposit
Balances earn higher competitive rates
- $500 minimum to open
- Interest paid quarterly
- Automatic renewal
- Interest can be added back to CD, paid by check or deposited into another account.
- Additional deposits may be made at the maturity of the CD
- Penalty for early withdrawal
IRA-Traditional Individual Retirement Account
- $500 minimum to open
- Interest paid quarterly
- Automatic renewal
- Tax differed earnings
*Subject to Approval