Regular Checking Account
$250.00 Minimum Opening Balance
| Minimum Balance |
Maintenance Fee |
| Over $500.00 |
No Charge |
| Below $499.99 |
$10.00 |
Unlimited check writing. Statements mailed monthly. Available to individuals for personal and household use. Overdraft Privilege may be available after 30 days. For additional disclosures, see a New Account
Representative.
Direct Cash Account
No minimum balance to open
| Minimum Balance |
Maintenance Fee |
| $0.00 |
$5.00 |
Available to individuals for personal and household use. Limitations: You must have a government direct deposit. No club membership. No interest paid. No ATM/Debit Card services. No check orders. Limit one (1) account per household. Statements mailed monthly. For additional disclosures, see a New Account Representative.
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Freedom Account
$250.00 Minimum Opening Balance
No Minimum Balance Required
Unlimited check writing. Statements mailed monthly. Canceled checks will not be returned. No interest earned or paid. No activity or transaction fees. Standard ATM/Debit Cards, INTERNET BANKING and miscellaneous fees will apply. Recommend use of duplicate checks - Reduced prices available with initial order. Overdraft Privilege may be available after 30 days. Available for individuals for personal and household use. Limit one (1) account per household. See New Account Representative for additional disclosures.
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Business Checking Account
$250.00 Minimum Opening Balance
| Minimum Balance |
Maintenance Fee |
| Over $1,500.00 |
No Charge |
| Below $1,499.99 |
$15.00 |
Unlimited check writing. Statements mailed monthly. Available to sole proprietorships, businesses, partnerships and corporations.
For additional disclosures, see a New Account Representative.
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Now Checking Account
$1,500.00 Minimum Opening Balance
Interest is calculated on the daily balance method and credited monthly. Available to individuals and sole proprietorships.
Prohibited for profit-making corporations and partnerships.
| Minimum Balance |
Maintenance Fee |
| Over $1,500.00 |
No Charge |
| Below $1,499.99 |
$15.00 |
Unlimited check writing. Statements mailed monthly. For the annual percentage yield (APY), interest rates and additional disclosures, see a New Account Representative. Rates may change
at our discretion. Overdraft Privilege may be available after 30 days.
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Super Now Checking Account
$2,500.00 Minimum Opening Balance
Interest is calculated on the daily balance method and credited monthly. Rates may change at our discretion. Overdraft Privilege may be available after 30 days. If balance falls below $2,500.00 a rate equal to passbook savings will be paid until the account
balance is restored to $2,500.00. If the balance falls below $1,500.00, no interest will be paid until the balance is restored to $1,500.00. Available to individuals and sole proprietorships.
Prohibited for profit-making corporations and partnerships.
| Minimum Balance |
Maintenance Fee |
| Over $2,500.00 |
No Charge |
| Below $2,499.99 |
$15.00 |
Unlimited check writing. Statements mailed monthly. For the annual percentage yield (APY), interest rates and additional
disclosures, see a New Account Representative.
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Money Market Checking Account
$2,500.00 Minimum Opening Balance
Interest is calculated on the daily balance method and credited monthly. Rates may change at our discretion. If balance falls below $2,500.00 a rate equal to passbook savings will be paid until the account balance is restored to $2,500.00. If the balance falls below $1,500.00, no interest will be paid until the balance is restored to $1,500.00.
Available to individuals, businesses, and profit-making corporations.
| Minimum Balance |
Maintenance Fee |
| Over $2,500.00 |
No Charge |
| Below $2,499.99 |
$15.00 |
Limited check writing. Statements mailed monthly. For the annual percentage yield (APY), interest rates and additional disclosures, see a New Account Representative.
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Club Checking Account
May be combined with any personal checking account. Not available for Business Accounts.
No Minimum Balance required.
Regular Club Checking ........ $10.00 Club Fee
Family Club Checking ........... $15.00 Club Fee
300 Club Checks per year at no charge. For additional Club benefits see a New Account Representative. Overdraft Privilege may be available after 30 days.
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Priority 55 Club Account
$500.00 Minimum Opening Balance
Interest is calculated on the daily balance method and credited monthly. Rates may change at our discretion. If balance falls
below $500.00 no interest will be paid until the balance is restored to $500.00.
| Minimum Balance |
Maintenance Fee |
| Over $500.00 |
No Charge |
| Below $499.99 |
$5.00 |
Unlimited check writing. Statements mailed monthly.
$5,000.00 Accidental Death Insurance per account. 20% discount on Safe Deposit Boxes (based on availability). Notary Service at no charge. 300 Club checks per year at no charge. For the annual percentage yield (APY), interest rates and additional
disclosures, see a New Account Representative. Overdraft privilege may be available after 30 days.
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Regular Savings Account
$100.00 Minimum Opening Balance
Interest is calculated on the daily balance method, compounded daily, credited quarterly (March 31, June 30, September 30, December 31).
| Minimum Balance |
Maintenance Fee |
| Over $100.00 |
No Charge |
| Below $99.99 |
$5.00 per quarter |
Three withdrawals per quarter (March 31, June 30, September 30, December 31) at no charge, thereafter a $3.00 excess withdrawal fee per withdrawal. Statements mailed quarterly.
Christmas Club Account
$2.00 Minimum Opening Balance
Interest is calculated on the daily balance method, compounded quarterly. No maintenance fee. Checks available to be picked up at the bank in mid-November.
We may require not less than seven days notice in writing before each withdrawal from an interest bearing account other than a time deposit, or any other savings account as defined by Regulation D. Withdrawals from a time account prior to maturity or prior to any notice period may be restricted and may be subject to penalty. Any account that is closed within 90 days of opening is subject to an early withdrawal fee of $15.00.
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