PERSONAL ACCOUNTS
FREE CHECKING
- Minimum opening deposit of $100
- No minimum balance
- No monthly service charge
- No per check fee
- Monthly ELECTRONIC statement
- Automatic overdraft banking with approved credit
- Free MC Debit Card
- Free Online Banking
- Free Online Check Images
- Free Online Bank Statements
*No paper statement allowed on this account.
PERSONAL CHECKING
- Minimum opening deposit of $200
- Monthly fee of $8
- Waived if minimum balance of $200 in the current cycle
- Waived with Direct Deposit
- Free for senior citizens (65 and over)
- No Minimum Balance
- No per Check Fee
- Monthly Statement with imaged checks
- Automatic Overdraft Banking with approved credit
- Free MC Debit Card
- Free Online Banking
- Free Online Check Images
- Free Online Banking Statements
MINOR CHECKING ACCOUNT
- Minimum Opening Deposit of $25
- No Minimum Balance
- No Monthly Service Charge
- No Per Check Fee
- Monthly ELECTRONIC Statement
- No Overdraft – Parent/Guardian must set up a sweep account to cover insufficient balance
- Free MC Debit Card
- Free Online Banking
- Free Online Check Images
- Free Online Bank Statements
*No paper statement allowed on this account. Age requirements are 12-17 years old. Parent/Guardian must be on account.
INTEREST CHECKING - NOW
- Minimum Opening Deposit of $1,000
- No per check fee
- Monthly statement with imaged checks
- Interest paid on $1,000 or more of collected balance
- Monthly fee of $8. Fee waived if minimum balance is $1,000 for the current statement cycle
- Automatic Overdraft Banking with approved credit
- Free MC Debit Card
- Free Online Banking
- Free Online Check Images
- Free Online Bank Statements
MONEY MARKET ACCOUNT
- Minimum Opening Deposit of $2,500
- Limited check writing to 3rd parties – includes internet transfers
- Unlimited in-office transactions
- Monthly statement with imaged checks
- Interest paid on $1,000 or more collected balance
- Monthly fee of $8. Fee waived if minimum balance is $2,500 for the current statement cycle
- Free Online Banking
- Free Online Check Images
- Free Online Bank Statements
BUSINESS ACCOUNTS
BUSINESS CHECKING
- Minimum Opening Deposit of $1,000
- Unlimited number of deposits
- Monthly statement with imaged checks
- Monthly fee of $10
- Fee waived if minimum balance is $1,000 for the current statement cycle
- Free MC Debit Card
- Free Online Banking
- Free Online Check Images
- Free Online Bank Statements
SAVINGS ACCOUNTS
STATEMENT SAVINGS
- Minimum Opening Deposit of $200
- Unlimited deposits
- Quarterly statements (provided monthly with EFT or ACH activity)
- Interest paid quarterly on collected balances
- Unlimited in-office withdrawals to account holder
- 6 automatic transfers per statement cycle of which 3 may be withdrawals to 3rd parties – includes internet transfers
- The monthly fee is $2. Fee waived for minors (under 18)
- Avoid fee with $200 minimum balance
IRA RETIREMENT ACCOUNTS
- Unlimited deposits with a $50 minimum deposit amount
- Tax-deferred interest
- No fee
- 6-month penalty for early withdrawal (earned or not)
CERTIFICATES OF DEPOSITS
- No fees
- Available for personal customer or business customer
TERMS
- 3 MONTH – $500 minimum deposit
- 6 MONTH – $500 minimum deposit
- 1 YEAR – $500 minimum deposit
- 2 YEAR – $500 minimum deposit
- 3 YEAR – $500 minimum deposit
- 4 YEAR – $500 minimum deposit
- IRA – 18 MONTH– $50 minimum deposit
*Penalty for early withdrawal on all terms
JUMBO
Jumbo Accounts
- Terms Negotiable