Deposit Accounts

Personal Checking:

• $200 minimum opening balance
• Maintain a $600 minimum average daily balance to waive monthly maintenance fee of $5
• $.20 per check after first 50
• The account does not earn interest
• Tie to your savings account for free overdraft protection
• Debit or ATM card available
• Overdraft Reserve Protection available (subject to credit approval)
• Monthly Image Check statements
• FDIC Insured

Now Account:

• $1,500 minimum opening balance
• Maintain balance above $1,500 to waive monthly fee
• A charge of $.20 per check after first fifty paid
• No service charge if average balance is in excess of $2,500
• Interest on funds until withdrawn at current market interest rates
• Debit or ATM card available
• Monthly Image Check Statements
• FDIC Insured

Senior Checking:

• $200 minimum opening balance
• Personal accounts only
• The account does not earn interest
• No monthly service charge
• No minimum balance required
• No per-check charge
• Debit or ATM card available
• Monthly Image Check statements
• Available for customers 65 years and older
• FDIC Insured

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Savings Accounts

Regular Savings Account:

• $200 minimum opening balance
• No interest paid if minimum balance falls below $200
• Accounts owned by minors will not be assessed monthly maintenance fee and will
        earn interest regardless of the balance
• Maintain 3 withdrawals per month to avoid $1 fee for each withdrawal in excess of 9 per quarter
• Maintenance fee of $3 per month if minimum falls below $200
• ATM card available
• Quarterly statement provided
• FDIC Insured

Christmas Club Savings Account:

• Save $250, $500, or $1000 with 24 payments of $10, $20, or $40
• In lieu of interest, the bank will make the 25th payment on all clubs that have completed 24 payments
• May be opened anytime between the 1st of November and 28th of February
• Annual disbursement of account balance in November
• FDIC Insured

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Money Market Account

Personal Insured Money Market Funds:

• $2,500 minimum opening balance
• Maintain $2,500 balance to avoid monthly fee of $15
• Six allowable free debits per cycle period
• Penalty of $10 for each debit exceeding six
• No fixed maturity
• No minimum withdrawal balance and unlimited deposits
• FDIC insured

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Business Account

• $200 minimum opening balance
• Monthly maintenance fee of $5
• Charge per check paid - $.18
• Charge per deposit - $.18
• Charge per check deposited - $.10
• Return item charge of $5
• Earnings credit against calculated service charge on collected account balance
• FDIC Insured

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Certificates of Deposit

• Minimum deposit of $500
• Terms range from 30 days to three years
• Additional deposits are permitted at any time
• Penalty for early withdrawal
• FDIC Insured

Member FDIC