Deposit Products

Regular Checking Account

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We provide a low cost checking account to fit the needs of individuals and businesses alike. Our checking account plan puts you in control of your finances. You manage or eliminate the cost by controlling the minimum balance and the number of checks you write. Free checking is offered to full-time college students, clergy, missionaries, senior citizens age 55 or over and accounts with direct deposit.

Limitations

You must deposit $100.00 to open this account.

Account Fees

Your account will be assessed a $5.00 maintenance fee per statement cycle plus a 15 cent charge per item paid, excluding POS payments. Maintenance fee is waived if a $500 minimum daily balance is maintained for the statement cycle. High activity business accounts may be subject to account analysis.

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Entrepreneur Account

This account is a good fit for small businesses. The Entrepreneur account provides value and ease of use by offering a low minimum balance with limited activity needs.

Limitations

You must deposit $1,500.00 to open this account.

Account Fees

Your account will be charged a $10.00 maintenance fee if the average daily balance falls below $1,500.00 during the statement cycle. Regardless of the balance, a per item charge of $ .25 will be assessed for each item in excess of 150 items per statement cycle. The average daily balance is calculated by adding the principal in the account for each day of the period and dividing that figure by the number of days in the period.

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Helping Hand Account

This account features a low monthly minimum balance and limited activity levels specifically designed for non-profit organizations, clubs, scout troops, etc.

Limitations

You must deposit $25.00 to open this account.

Account Fees

Your account will be charged a $5.00 maintenance fee if the average daily balance falls below $200.00 during the statement cycle. Regardless of the balance, a per item charge of $ .10 will be assessed for each item in excess of 50 items per statement cycle. The average daily balance is calculated by adding the principal in the account for each day of the period and dividing that figure by the number of days in the period.

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NOW Account

This is an interest bearing account. This account is available to individuals, nonprofit organizations, public entities, and sole proprietorships.

Rate Information

This account is an interest bearing account. The interest rate and annual percentage yield are included in the Rate Chart. The interest rate and annual percentage yield may change. At our discretion, we may change the interest rate on the account daily. Interest begins to accrue on the business day you deposit non-cash items (for example, checks). Interest will be compounded monthly and will be credited to the account monthly. If the account is closed before interest is credited you will not receive the accrued interest.

Balance Information

We use the daily balance method to calculate the interest on the account. This method applies a daily periodic rate to the principal in the account each day.

Limitations

You must deposit $200.00 to open this account

Account Fees

Your account will be assessed a $3.00 maintenance fee per statement cycle plus an 18 cent charge per item paid, excluding POS payments. Maintenance fee is waived if a $1,000 minimum daily balance is maintained for the statement cycle. High activity business accounts may be subject to account analysis.

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Money Market Account

This Account gives you a high interest rate and limited check writing privileges.

Rate Information

This account is an interest bearing account. The interest rate and annual percentage yield will depend upon the daily balance in the account as shown on the Rate Chart. The interest rate and annual percentage yield may change. At our discretion, we may change the interest rate on the account daily. Interest begins to accrue on the business day you deposit non-cash items (for example, checks). Interest will be compounded monthly and will be credited to the account monthly. If the account is closed before interest is credited, you will not receive the accrued interest.

Balance Information

We use the daily balance method to calculate the interest on the account. This method applies a daily periodic rate to the principal in the account each day.

Limitations

You must deposit $2,500.00 to open this account. You may make six (6) transfers from your account each four (4) week or similar period, if by preauthorized or automatic transfer, or telephone (including data transmission) agreement, order or instruction or by check, draft, debit card or similar order (including POS transactions), made by the depositor and payable to third parties. Transfers and withdrawals made in person by messenger, by mail or at an ATM are unlimited.

Account Fees

Your account will be assessed a $5.00 maintenance fee per statement cycle plus a $1.00 withdrawal fee for each withdrawal. Maintenance fee and withdrawal fees are waived if a $2,500 minimum daily balance is maintained for the statement cycle. A $10 excess withdrawal fee will be charged for each withdrawal in excess of 6 per month (as detailed in the Limitations Section) regardless of the balance maintained. High activity business accounts may be subject to account analysis.

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Variable Rate Savings Account

This is our basic savings account.....Ideal for anyone who wants to secure their future and provide for the unexpected.

Rate Information

This account is an interest bearing account. The interest rate and annual percentage yield are included in the Rate Chart. The interest rate and annual percentage yield may change. At our discretion, we may change the interest rate on the account once a month. Interest begins to accrue on the business day you deposit noncash items (for example, checks). Interest will be compounded quarterly and will be credited to the account quarterly. If the account is closed before interest is credited, you will not receive the accrued interest.

Balance Information

We use the daily balance method to calculate the interest on the account. This method applies a daily periodic rate to the principal in the account each day.

Limitations

You must deposit $50.00 to open this account. You may make six (6) transfers from your account each four (4) week or similar period, if by preauthorized or automatic transfer, or telephone, (including data transmission) agreement, order, or instruction. Transfers and withdrawals made in person, by messenger, by mail or at an ATM are unlimited.

Account Fees

Your account will be assessed a $3.00 maintenance fee per quarter plus a $1.00 withdrawal fee for each withdrawal in excess of 12 per quarter. Maintenance fee is waived if a $50 minimum daily balance is maintained for the statement cycle. Maintenance fee and withdrawal fee are waived on our "Reward Junior" Minor Accounts. Reward Junior accounts are available for those up to age 18 years.

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IRA Savings Account

This account is ideal for those who wish to save for their retirement. You should consult a tax accountant to find the advantages of this account for your individual situation.

Rate Information

This account is an interest bearing account. The interest rate and annual percentage yield will depend upon the daily balance in the account as shown on the Rate Chart. The interest rate and annual percentage yield may change. At our discretion, we may change the interest rate on the account monthly. Interest begins to accrue on the business day you deposit non-cash items (for example, checks). Interest will be compounded quarterly and will be credited to the account quarterly. If the account is closed before interest is credited, you will not receive the accrued interest.

Balance Information

We use the daily balance method to calculate the interest on the account. This method applies a daily periodic rate to the principal in the account each day.

Limitations

You must deposit $200.00 to open this account.