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Deposit Accounts

Personal Checking:

  • $500 minimum opening balance
  • Maintain a $501 minimum average daily balance to waive monthly maintenance fee of $7
  • $.20 per check after first 20
  • 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 of $10
  • A charge of $.20 per check after first twenty 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  • Interest on funds until withdrawn at current market interest rates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:

  • $500 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:

  • $500 minimum opening balance
  • No interest paid if minimum balance falls below $500
  • Accounts owned by minors will not be assessed monthly maintenance fee and will
          earn interest regardless of the balance
  • Maintain 4 withdrawals per month to avoid $3 fee for each withdrawal in excess of 4 per month
  • Maintenance fee of $5 per month if minimum falls below $500
  • 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 $20
  • Six allowable free debits per cycle period
  • Penalty of $15 for each debit exceeding six
  • No fixed maturity
  • No minimum withdrawal balance and unlimited deposits
  • FDIC insured

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Business Account

  • $500 minimum opening balance
  • Monthly maintenance fee of $5
  • Charge per check paid - $.20
  • Charge per deposit - $.20
  • Charge per check deposited - $.12
  • Return item charge of $10
  • 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