Deposit Accounts

Accounts


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