Deposit Accounts

Personal Checking

• Non-interest bearing
• Unlimited transactions
• Debit/ATM cards – instant issue!
• Overdraft Protection available
• Monthly Image Statements
• Free Digital Banking

Senior Checking

• Free to Customers 65 or older
• Non-interest bearing, Personal Account
• No minimum balance
• Debit/ATM cards – instant issue!
• Monthly Image Statements
• Free Digital Banking

"Checkless" Checking

• No monthly service charge
• No minimum balance
• Requires Direct Deposit
• Requires E Statements
• Electronic withdrawals only
• Debit/ATM card issued instead of checks
• Free Digital Banking

Now Account

• Earn a market rate of Interest
• Unlimited transactions
• Debit/ATM cards – instant issue!
• Monthly Image Statement
• Free Digital Banking

Savings Accounts

Regular Savings Account:

• Earn a market rate of interest
• Four free withdrawals per month
• ATM card – instant issue!
• Quarterly Statements
• Free Digital Banking
• Minors bank free until age 18!

Christmas Club Savings Account:

• Opened any time between November and February
• Make 24 semi-monthly payments and the Bank will make the 25th for you!
• Save $250, $500, $1,000 or $5,000
• Annual disbursement in November, just in time for Christmas!

Money Market Account

• Earn a market rate of interest
• Up to six free withdrawals per month
• No minimum withdrawal and unlimited deposits
• Monthly Statements
• Free Digital Banking

Business Account

• Free Digital Banking
• ACH Origination and Tax Payments available in Cash Management
• Monthly Image Statements
• Debit/ATM cards – instant issue!
• Earnings credit calculated on account balance to reduce any fees assessed

Certificates of Deposit

• Minimum deposit $500
• Terms from 90 days to three years
• Earn a market rate of interest
• Additional deposits are permitted at any time
• Penalty for early withdrawal