Deposit Accounts

Personal Checking

• Account is not interest bearing
• 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
• Free On-line Banking
• Free E-Statements
• Mobile Banking

Now Account

• Interest is paid to the account regardless of the minimum balance maintained
• Debit or ATM card available
• Monthly Image Check Statements
• Free On-line Banking
• Free E-Statements
• Mobile Banking

Senior Checking

• Personal accounts only
• The account does not earn interest
• No monthly service charge
• No minimum balance required
• Debit or ATM card available
• Monthly Image Check statements
• Available for customers 65 years and older
• Free On-line Banking
• Free E-Statements
• Mobile Banking

"Checkless" Checking

• Account requires Direct Deposit and E-Statements
• Account is not interest bearing
• Allowed four free in-person withdrawals per month
• Withdrawals made by ATM or Debit Card purchases are unlimited
• Free On-line Banking
• Free E-Statements
• Mobile Banking
• Debit Card or ATM Card will be issued in place of checks

Savings Accounts

Regular Savings Account:

• Minor accounts will not be assessed a monthly maintenance fee and will earn interest regardless of balance
• Maintain 4 withdrawals per month to avoid $3 fee for each withdrawal in excess of 4 per month
• ATM card available
• Quarterly statement provided
• Free On-line Banking
• Free E-Statements
• Mobile Banking

Christmas Club Savings Account:

• Save $250, $500, $1000 or $5000 with 24 payments of $10, $20, $40, or $200
• 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

Money Market Account

Personal Insured Money Market Funds:

• Up to six free withdrawals included per month
• $15 fee for each additional withdrawal
• No minimum withdrawal balance and unlimited deposits
• Free On-line Banking
• Free E-Statements
• Mobile Banking

Business Account

• Free On-Line Banking
• Free E-Statements
• Mobile Banking
• An earnings credit for each $100.00 of average investable balance for the month will be applied to reduce any fees assessed
• ACH Origination

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