No Charge Checking         

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

THIS IS A TRUNCATED ACCOUNT
(Images Available Online Only)

• $100.00 Minimum to open account  

• No monthly service charge

• No minimum balance

• No per withdrawal charge

• Detailed monthly statement  

• First THREE copies free and .50 per item thereafter

• $500.00 overdraft protection upon request

• 25.00 per item overdraft or insufficient fee

The per withdrawal fee includes any withdrawal whether made by check, check card, ATM card, phone or auto transfer.

Overdraft protection is not available on student accounts

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 withdrawals per statement cycle FREE

• $5.00 service charge if average balance is below $800.00

• A $.17 cent per withdrawal fee will be charged for over 20 withdrawals if average balance is below $800.00

• $25.00 per item overdraft or insufficient fee

• $500.00 overdraft protection upon request

      Senior citizens over age 65 FREE

Interest Checking - Images are provided         

Checking account that earns interest.  Available to individuals only – not available for corporations or partnerships.

• $1500.00 Minimum to open account

• 20 FREE withdrawals per statement cycle

• $6.00 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.  Interest rate and annual percentage yield may change.  We reserve the right to change interest rates at any time at our discretion.  Interest will compound every statement cycle and credited to your account on the last working day of the cycle.  We use the average daily balance method to calculate the interest on your account.  This method applies a periodic rate to the average daily balance in the account for the cycle.   The average daily balance is calculated by adding the principal in the account each day and dividing that figure by the number of days in the statement cycle.  Interest begins to accrue no later than the business day we receive credit for the deposit of non cash items (for example, checks).

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 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

• Quarterly statements

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

No interest if the balance falls below $10.00.  Interest rate and annual percentage yield may change.  We reserve the right to change interest rate at any time at our discretion.  Interest will be compounded daily and credited to your account every statement cycle.  We use the daily balance method to calculate the interest on your account.  This method applies a daily periodic rate to the principal in the account each day.  Interest begins to accrue no later than the business day we receive credit for the deposit of non cash items (for example, checks).

ATM & Check Cards