Our Free Checking account is an account that eliminates the worry of monthly service charges. This account is available for individuals and small businesses.
benefits
No monthly service charge or minimum balance requirements
Unlimited check writing and other debit transactions
$250 Discretionary Overdraft Privilege available for qualified accounts
Free ATM/Debit cards available
Free telephone and internet banking
Free check images online
requirements
Minimum deposit to open account - $50 or waived with direct deposit enrollment
discretionary overdraft privilege
We will charge your account $18 for each item paid or returned. Your account may become overdrawn by writing checks, debit card or ATM transactions, or other electronic means. Your account must be brought to a positive balance at least every 30 days or less. We reserve the right not to pay any overdraft.
Our most popular account! It's an account for individuals who maintain a minimum balance, want to receive check images in their statements, and prefer a higher overdraft privilege limit.
benefits
No monthly service charge if daily balance is kept at $500 or higher, otherwise a $5 service charge will be assessed
Unlimited check writing and other debit transactions
Check images returned with monthly statement
$500 Discretionary Overdraft Privilege available for qualified accounts
Monthly service charge may be waived for Senior citizens 65 and over
Free ATM/Debit Cards available
Free telephone and internet banking
requirements
Minimum deposit to open account - $100 or waived with direct deposit enrollment
discretionary overdraft privilege
We will charge your account $18 for each item paid or returned. Your account may become overdrawn by writing checks, debit card or ATM transactions, or other electronic means. Your account must be brought to a positive balance at least every 30 days or less. We reserve the right not to pay any overdraft.
This account is ideal for those who maintain a higher balance in their checking account, and also want the ability to earn interest and write an unlimited number of checks per statement cycle.
benefits
No monthly service charge if daily balance is kept at $1,200 or higher, otherwise a $10 service charge will be assessed
Unlimited check writing and other debit transactions
$500 Discretionary Overdraft Privilege available for qualified accounts
Free ATM/Debit Cards available
Free telephone and internet banking
Interest is compounded daily and credited to your account every statement cycle
A minimum daily balance of $1,200 must be maintained in order to obtain the disclosed annual percentage yield.
requirements
Minimum deposit to open account - $100 or waived with direct deposit enrollment
discretionary overdraft privilege
We will charge your account $18 for each item paid or returned. Your account may become overdrawn by writing checks, debit card or ATM transactions, or other electronic means. Your account must be brought to a positive balance at least every 30 days or less. We reserve the right not to pay any overdraft.
This savings account is for the customer who wants to earn interest on their personal savings. Many customers set up a savings account for their children and/or grandchildren. They are also often used to save money for unexpected events, taxes, vacations, and other expenses.
benefits
No quarterly service charge if daily balance is kept at $300 or higher, otherwise a $5 service charge will be assessed
Service charge is waived for minors under the age of 18
Interest is compounded daily and credited to your account every quarter
Automatic transfers can be set up between savings and checking accounts
requirements
Minimum deposit to open account - $100 ($50 for minors)
withdrawal limitations
Transfers from a Savings Account to another account or to third parties by preauthorized, automatic, electronic, internet, telephone transfer or in-person withdrawal are limited to three (3) per quarter.
An excessive item charge of $1.00 will be charged for each debit transaction (withdrawal, automatic transfer or payment out of this account) in excess of three during a quarter.
This account is good for individuals who want to earn interest on funds, but also need the ability to write a check every once in a while. This account generally pays our highest rate compared to other interest-bearing checking accounts offered by the bank.
benefits
Interest is compounded daily and credited to your account every statement cycle
No monthly service charge if daily balance is kept at $2,500 or higher, otherwise a $10 service charge will be assessed
A minimum daily balance of $2,500 must be maintained in order to obtain the disclosed annual percentage yield.
Tiers for interest earnings:
$2,500 - $9,999
$10,000 - $24,999
$25,000 and above
requirements
Minimum deposit to open account - $2,500
withdrawal limitations
Transfers from a Money Market account to another account or to third parties by means of a preauthorized, automatic, electronic, or telephone transfer, check, draft, debit card, or similar order made payable to third parties are limited to six per statement cycle.
An excessive item charge of $10 will be charged for each debit transaction (withdrawal, check paid, automatic transfer or payment out of this account) in excess of six during a statement cycle.
Certificates of Deposit are used by consumers and businesses alike to maximize their earnings on funds. CD's offer higher rates than interest bearing checking accounts because the customer agrees to keep the money in the bank for a specified period.
benefits
Automatically Renewable
Interest compounded monthly
Interest credited monthly in your choice of three different ways:
We offer traditional IRAs, Roth IRAs, and SEPs. IRAs are an excellent savings tool for anyone planning to retire someday. Unlike risky investments, they provide a reliable return and are FDIC insured up to $250,000. It is a safe, secure way to save for the future and defer income taxes.
benefits
Reliable, safe return
Interest compounded daily
Interest credited to the account every quarter
Automatically renewable time account
FDIC Insured up to $250,000
requirements
Minimum deposit to open account - $100.00
Maximum annual contribution amounts are set by the IRS
Time requirement (rate of return) comparable to eighteen month CD
Must have earned income and be under 70 ½ years of age
withdrawal limitations
Penalties may be assessed for early withdrawals.
NOTICE OF CHANGES IN TEMPORARY FDIC INSURANCE COVERAGE FOR NONINTEREST-BEARING TRANSACTION ACCOUNTS
All funds in a "noninterest-bearing transaction account" are insured in full by the Federal Deposit Insurance Corporation from December 31, 2010, through December 31, 2012. This temporary unlimited coverage is in addition to, and separate from, the coverage of at least $250,000 available to depositors under the FDIC's general deposit insurance rules.
The term "noninterest-bearing transaction account" includes a traditional checking account or demand deposit account on which the insured depository institution pays no interest. It also includes Interest on Lawyers Trust Accounts ("IOLTAs"). It does not include other accounts, such as traditional checking or demand deposit accounts that may earn interest, NOW accounts, and money-market deposit accounts.
For more information about temporary FDIC insurance coverage of transaction accounts, visit www.fdic.gov.
IMPORTANT CHANGE TO U.S. SAVINGS BONDS
Planning to buy a savings bond? Paper savings bonds will no longer be sold at financial institutions after December 31, 2011. But they are not going away. Electronic savings bonds can be purchased online through TreasuryDirect. Open a free Treasury Direct account today at www.treasurydirect.gov.
Already have paper savings bonds? Existing paper bonds are still valid and will earn interest for 30 years from the issue date or until redeemed. You can continue to cash savings bonds here.
Learn more at www.treasurydirect.gov (U.S. Department of Treasury).
