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Account Details


 
Regular Checking
 
  • $100.00 to open
  • No Monthly Fee for Accounts With Average Monthly Balance of $1000.00 or More
  • Monthly Fee of $8.00 For Accounts With Average Monthly Balance of $499.99 Or Less
  • Monthly Fee of $6.00 For Accounts With Average Monthly of $500.00 - $999.99
  • Excess Check Charge Fee of $.10 Will Be Charged For Each Debit Transaction In Excess Of 30 During A Statement Cycle For Accounts With Average Daily Balance Of Less Than $1000.00
  • These are just a few of the features of this account. For additional information, please contact the bank.

 
Free Checking
 
  • $25.00 To Open
  • No Monthly Service Charge
  • Unlimited Check Writing
  • Checks Are Truncated. Duplicate Checks Required. Free Initial order of Imprinted Checks
  • $400.00 Overdraft Privilege (30-Day Waiting Period)
  • $25.00 Non-Sufficient Fund (NSF) Fee for each debit item that is paid into the overdraft.
  • These are just a few of the features of this account. For additional information, please contact the bank.

 
Advantage
 
  • $100.00 to Open
  • Monthly Fee Of $11.00
  • Accidental Death Insurance.
  • Advantage Club Checks Provided Free
  • Unlimited Check Writing
  • Prescription Drug Discounts
  • Hotel & Motel Discounts
  • Identity Theft 911
  • These are just a few of the features of this account. For additional information, please contact the bank.

 


 
Advantage for Seniors
 
  • $100.00 To Open
  • Available to Persons 55 Or Older
  • Monthly Fee Of $5.50
  • Accidental Death Insurance.
  • Advantage Club Checks Provided Free
  • Unlimited Check Writing
  • Prescription Drug Discounts
  • Hotel & Motel Discounts
  • Identity Theft 911
  • These are just a few of the features of this account. For additional information, please contact the bank.

 
NOW Checking
 
  • $1000.00 To Open
  • Interest Will Be Compounded Monthly
  • Must Maintain $1000.00 To Earn Interest
  • Unlimited Check Writing
  • Account Will Be Classified As Regular Checking If Balance Falls Below $1000.00. Fees for Regular Checking Will Apply
  • These are just a few if the features of this account. For more information, please contact the bank.

 
NOW Advantage
 
  • $1000.00 To Open
  • Monthly Fee Of $5.50
  • Accidental Death Insurance
  • Advantage Club Checks Provided Free
  • Unlimited Check Writing
  • Prescription Drug Discounts
  • Hotel & Motel Discounts
  • Identity Theft 911
  • Interest Will Be Compounded Monthly
  • Account Holders Will Earn .20% More Than The Stated NOW Account Interest Rate
  • Minimum Balance Fee of $7.50 Will Be Imposed If Account Falls Below $1000.00
  • These are just a few of the features of this account. For additional information, please contact the bank.

 
Money Market HiFi MMDA (Hi-Fi)
 
  • $2500.00 To Open
  • Interest Will Be Compounded Monthly
  • Account Will Revert To NOW Account Rates If Balance Falls Below $2500.00 But Is More Than $1000.00
  • Monthly Fee Of $10.00 If Balance Falls Below $1000.00
  • Transfers from a Money Market Checking to another account or to third parties are limited to six per month with no more than three by check or draft.
  • These are just a few of the features of this account. For additional information, please contact the bank.

 
Savings
 
  • $25.00 Minimum Deposit To Open

  • Must Maintain Balance Of $200.00 To Avoid Fee Of $5.00 Per Quarter

  • Withdrawals From Savings Accounts Are Limited To Three Per Quarter

  • Excess Withdrawal Fee Of $2.00 Will Be Charged In Excess Of Three

  • These are just a few of the features of this account. For additional information, please contact the bank.


 

Senior Citizens Checking

 

  • $100.00 To Open

  • Available to Full Time Students And Senior Citizens Age 65 Or Older

  • No Monthly Fees If Less Than 20 Debit Transactions

  • Fees For Regular Checking Accounts Apply If More Than 20 Debit Transactions

  • These are just a few of the features of this account. For additional information, please contact the bank.

 


 
Student Checking

 

  • $100.00 To Open

  • Available to Full Time Students And Senior Citizens Age 65 Or Older

  • No Monthly Fees If Less Than 20 Debit Transactions

  • Fees For Regular Checking Accounts Apply If More Than 20 Debit Transactions

  • These are just a few of the features of this account. For additional information, please contact the bank.

 


 
Commercial Checking

 

  • $100.00 Minimum Deposit to Open

  • $ A Service Fee of $10.00 will be charged each month.

  • A per check fee of $.10 will be charged for each debit transaction.

  • A fee of $1.00 will be charged for each return item. Merchant Bankcard Services available from Entrust or UBC.

  • You will earn a credit of 5% on the average daily balance in your account during the statement cycle.  This earnings credit will be applied to reduce the fees on the account but cannot exceed your total fees. At any time and at our discretion, the periodic earnings credit rate may change.

 


 
Certificates of Deposit

 

  • $1,000.00 Minimum Deposit to Open

  • Interest compounded Every Month

  • Interest Credited to Account Monthly

  • Interest Begins to Accrue on The Business Day you deposit noncash items.

  • If you close your account before interest is credited, you will receive the accrued interest.

  • You may not make any deposits into your account before maturity.

 


 
Individual Retirement

 

  • $1,000.00 Minimum Deposit to Open

  • Interest compounded Every Month

  • Interest Credited to Account Monthly

  • Interest Begins to Accrue on The Business Day you deposit noncash items.

  • If you close your account before interest is credited, you will receive the accrued interest.

  • You may make deposits into your account before maturity.

 

 

 
 

 

 
 
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