Personal Accounts

Benefits

• $25 minimum opening deposit
• Overdraft protection*
• Items in excess of 2 per statement period – $2 per page thereafter

Costs

• No monthly Service charge
• No images/monthly statement

Disclaimer

*The Bank is NOT obligated to pay any item presented for payment if the customer’s account does not contain sufficient funds; however, a customer can qualify for Auto Overdraft Protection if their account has been open for a minimum of 30 days and maintained in good standing with no overdrafts.   Requirements to maintain AOP, defined as, but not limited to:

• Making regular deposits;
• Bringing account to a positive balance every 30 days or less, and
• There are no legal orders outstanding (i.e., declaring bankruptcy or defaulting on Bank loan, etc.).

There is no charge for this service unless it is used to make payment against insufficient funds and then the Bank’s Overdraft Charge Fee ($27.50 per check or debit item) will be charged to the account.  However, we will not charge the overdraft fee if the transaction overdraws the account by less than $10.  The overdraft fee applies to overdrafts created by check, in-person withdrawal, ATM withdrawal, or other electronic means, as applicable.

Benefits

• Monthly statement with images
• $100 minimum opening deposit
• Overdraft protection*

Costs

• no service charge with $1,000 or above balance
• $600 – $999.99 balance – $8 service charge
• $300 – $599.99 balance – $9 service charge
• Below $300 – $10 service charge

Disclaimer

*The Bank is NOT obligated to pay any item presented for payment if the customer’s account does not contain sufficient funds; however, a customer can qualify for Auto Overdraft Protection if their account has been open for a minimum of 30 days and maintained in good standing with no overdrafts.   Requirements to maintain AOP, defined as, but not limited to:

• Making regular deposits;
• Bringing account to a positive balance every 30 days or less, and
• There are no legal orders outstanding (i.e., declaring bankruptcy or defaulting on Bank loan, etc.).

There is no charge for this service unless it is used to make payment against insufficient funds and then the Bank’s Overdraft Charge Fee ($27.50 per check or debit item) will be charged to the account.  However, we will not charge the overdraft fee if the transaction overdraws the account by less than $10.  The overdraft fee applies to overdrafts created by check, in-person withdrawal, ATM withdrawal, or other electronic means, as applicable.

Benefits

• Monthly statements with images
• $1,500 minimum opening deposit & must be maintained
• Interest compounded monthly
• Unlimited check writing

Costs

• $10.00 service charge if balance falls below $1,500

Benefits

• 6 transactions per month – $10.00 per transaction thereafter
• $1,000 minimum opening deposit & must be maintained
• Tiered interest rate according to your balance
• Interest compounded monthly

Costs

• $10.00 service charge if balance falls below $1,000

Benefits

• Monthly statement with images
• $100 minimum opening deposit
• Overdraft protection*
• Minimum age 62

Costs

• No monthly service charge

Disclaimer

*Overdraft Protection provided after 30 days of satisfactory history at Bank’s discretion.

Benefits

• Monthly statement with images
• $100 minimum opening deposit
• Must be less than 25 years of age & enrolled in school

Costs

• No monthly service charge

Benefits

• $100 minimum deposit
• Interest compounded monthly

Costs

• 6 withdrawals per quarter – $2 per withdrawal thereafter
• 6 free automatic/phone transfers per quarter – $10.00 thereafter

Benefits

• $100 minimum deposit
• A tax exempt account for paying qualified medical expenses
• Deposit limitations follow IRS guidelines
• Interest compounded monthly