Regular Checking  - Images are provided       

Provides a record of financial transactions for account customers.  Available for individuals, joint accounts and commercial customers.

• $100.00 Minimum to open account

• 20 FREE withdrawals per statement cycle

• $10.00 service charge if average balance is below $1,500.00

• A $.17 cent per withdrawal fee will be charged for over 20 withdrawals if average balance is below $1,500.00

• $25.00 per item overdraft or insufficient fee

• $500.00 overdraft protection upon request

Interest Checking - Images are provided         

Checking account that earns interest.  Available to non profit organizations, municipalities or sole proprietorship accounts only – not available for corporations or partnerships.

• $1500.00 Minimum to open account

• 20 FREE withdrawals per statement cycle

• $10.00 service charge if average balance is below $1500.00

• A .17 cent per withdrawal fee will be charged for over 20 withdrawals if average balance is below $1500.00

• $25.00 per item overdraft or insufficient fee

No interest on balances below $1500.00.  Interest checking is NOT available for corporate or partnership accounts.  All monthly fees apply only if you have more than 20 withdrawals and your balance is below the average required minimum.

Money Market Accounts - Images are provided         

Super savings with limited checking privileges.  Available to all individuals, businesses, corporations, and partnerships. 

• $2500.00 Minimum to open account

• $7.00 service charge if average balance is below $2500.00

Transfers from a Money Market account to another account or to third parties by preauthorized, automatic, or telephone transfers are limited to six per statement cycle with no more than three by check, draft, debit card, or similar order to third parties.  An excessive transaction fee of $10.00 per withdrawal will be charged for each withdrawal in excess of 6 per statement cycle.  No interest on average daily balances below $2500.00.   

$2,500.00 - $99,999.99 = variable rate #1
$100,000.00+ = variable rate #2

Statement Savings - Images are not available

Excellent for children and small savers.  Allows customer to earn interest on a small investment.  We offer regular savings accounts that do not require passbooks. 

• $100 Minimum to open account

• $1.00 service charge if average balance falls below $100.00

• $1.00 per withdrawal fee in excess of 2 per month

Withdrawals include those made by ATM, auto transfer, or in-house withdrawal.

No interest if the balance falls below $10.00.  Quarterly statements.