| Direct Free Checking Account |
Basic Checking Account |
Now Account |
| Advantage & Advantage Senior Account |
Money Market Account |
Regular Savings Account |
| Minor Savings Account |
Christmas Club Account |
|
Direct Free Checking
Fees
There is no fee per statement cycle if you receive a direct deposit to the account of payroll or retirement benefits at least monthly. If the qualifying direct deposit ceases, the account will revert to the Basic Checking Account service charge.
Minimum Amount to Open Account
You must deposit $100.00 to open this account.
Features
No minimum balance required. Unlimited check writing and ATM debit card. Free internet banking, 24 hour telephone banking and free notary service. 24 hour ATM Access.
Basic Checking Account
Fees
$5.00 per month with no minimum balance required.
Minimum Deposit to Open Account
You must deposit $100.00 to open this account.
Features
No minimum balance required. Unlimited check writing and ATM debit card. Free internet banking, 24 hour telephone banking and free notary service. 24 hour ATM Access.
Now Account
Fees
$6.00 per month - If your balance drops below $1,000.00 during the statement cycle.
Rate Information
Your interest rate and annual percentage yield may change. We can change the interest rate on your account at any time. Interest will not be compounded. Interest will be credited to your account every month. If you close out your account before interest is credited, you will not receive the accrued interest.
Average daily balance computation
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 period. 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. The period we use is the monthly statement cycle.
Accrual of interest on noncash deposits
Interest begins to accrue on the business day you deposit noncash items (for example, checks).
Minimum Deposit to Open Account
You must deposit $100.00 to open this account.
Advantage Account and Advantage Senior
Fees
There is a service fee of $8.00 per statement cycle. For customers age 55 and over the service fee will be $5.00 per statement cycle.
Minimum Deposit to Open Account
You must deposit $100.00 to open this account.
Features
No minimum balance required. Unlimited check writing and ATM debit card. Free internet banking, 24 hour telephone banking and free notary service. 24 hour ATM access.
20% discount on Safe Deposit Box Rental (3x5 Box), $10,000.00 Accidental Death Insurance, Payment Card Protection, Identity Theft Insurance, Coast-to-Coast Vision Care, Credit Monitoring, Shoppers Rebate.
Money Market Deposit Account
Fees
An excessive check withdrawal fee of $5.00 will be charged for each check in excess of three during a statement cycle. A service charge of $5.00 will be imposed every statement cycle if the balance in the account falls below $500.00 any day of the cycle.
Transaction Limitations
Transfers from a Money Market Deposit account to another account or to third parties by preauthorized, automatic, or telephone transfer are limited to six per statement cycle with no more than three by check, draft, debit card, or similar order to third parties. In-person withdrawals must be a minimum of $100.00.
Rate Information
Your interest rate and annual percentage yield may change. We may change the rate on your account on the 25th of each month at our discretion. Interest will not be compounded. Interest will be credited to your account each month. If you close out your account before interest is credited, you will not receive the accrued interest.
If the balance drops below $2,500.00 on any day of the statement cycle, the interest rate for that period will be one fourth percent below the current rate.
Average daily balance computation method
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 period. 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. The period we use is the monthly statement cycle.
Accrual of interest on noncash deposits
Interest begins to accrue on the business day you deposit noncash items (for example, checks).
Minimum Deposit to Open Account - You must deposit $2,500.00 to open this account.
Regular Savings Account
Fees
A per item fee 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.
A savings account closed within 90 days of opening will be charged $10.00.
Rate Information
Your interest rate and annual percentage yield may change. We may change the interest rate on your account at any time at our discretion. Interest will not be compounded. Interest will be credited to your account every quarter. If you close your account before interest is credited you will not receive the accrued interest.
Daily balance computation method
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.
Transaction Limitations
Transfers from a Regular Savings account to another account or to third parties by preauthorized, automatic, or telephone transfer are limited to six per month with no more than three by debit card or similar order to third parties.
Accrual of interest on noncash deposits
Interest begins to accrue on the business day you deposit noncash items (for example, checks).
Minimum Deposit to Open Account - You must deposit $100.00 to open this account.
| Minimum balance to avoid imposition of fees. A service charge of $5.00 will be imposed every statement cycle if the balance in the account falls below $100 any day of the cycle. If the balance at the end of the cycle is less than $5.00 the entire balance will be used for the service charge and the account will be closed. |
Minor Savings Account
Fees
A per item fee of $1.00 will be charged for each debit transaction (withdrawal, or automatic transfer or payment out of this account) in excess of three during a quarter.
A savings account closed within 90 days of opening will have a $10.00 service fee.
Rate Information
Your interest rate and annual percentage yield may change. We may change the rate on your account at any time at our discretion. Interest will not be compounded. Interest will be credited to your account every quarter. If you close your account before interest is credited, you will not receive the accrued interest.
Daily balance computation method
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.
Transaction Limitations
Transfers from a Minor Savings account to another account or to third parties by preauthorized, automatic, or telephone transfer are limited to six per month with no more than three by debit card or similar order to third parties.
Accrual of interest on noncash deposits
Interest begins to accrue on the business day you deposit noncash items (for example, checks).
Minimum Deposit to Open Account
You must deposit $50.00 to open this account.
| Minimum balance to avoid imposition of fees. A service charge of $3.00 will be imposed every statement cycle if the balance in the account falls below $25 any day of the cycle. |
Christmas Club Account
Transaction Limitations
A one time fee of $5.00 will be imposed for withdrawals before maturity, or if not all required deposits are made. The maximum weekly deposit we allow to this account is $10.00. The minimum weekly deposit we require to this account is $1.00. You may make withdrawals of principal from your account before maturity only if we agree at the time you request the withdrawal.
Minimum Deposit to Open Account
You must deposit $1.00 to open this account.
