Banking Services


Your Accounts


Regular Checking

Description:
*A Basic Checking Account

Requirements:
*$10.00 Minimum Balance to Open

Benefits:
*Check images returned in your monthly statements
*Annual Fee ATM or Debit card available
*Accounts having a balance of $300 or more will not incur a monthly maintenance fee.

Cost:
*$5 per month if your minimum daily balance is $300 or less
*Maintenance fee of $.05 per paper debit for each debit after the first 12 debits, if your balance
falls below $300.00.

Now Checking

Description:
*A checking account that pays interest

Requirements:
*Minimum Balance to Open Account and to Earn Interest- $1000.00  

Benefits:
*Interest earned on balance if over $1000.00, Minimum Balance to Earn Interest  - $1000.00
*Check images returned with your monthly statement
*ATM or Debit card available
*Activity fee waived with a minimum average collected balance of $1000.00.

Cost:
*$5.00 fee will be assessed every statement cycle unless you maintain an average
collected balance of $1000.00.
*$.15 per debit activity fee will be assessed every statement cycle unless you maintain an average collected balance of $1000.00.
Interest rates may change at any time at the discretion of the bank.

AdvantAge 55 Checking

Description:
*A checking account for persons 55 and older that pays interest

Requirements:
*Must be at least 55 years old to open an account

Benefits:
*No minimum balance required to open the account
*Interest earned based on the required minimum average collected balance of $1000.00
*Check images returned with your monthly statement
* Free ATM or Debit card available (Annual fee and replacement fee for lost cards assessed.)
*Free checks (large selection of AdvantAge 55 Checks available to choose from)
*Free money orders
*Free photo copies
*Free faxes
*Reduced price on our Travelers Money Cards
*Unlimited number of checks written per month

Cost:
*Initial fees waived.

Student Checking

Description:
*A basic checking account for high school and college students

Requirements:
*No Minimum Balance to Open Account

Benefits:
*Check images returned with your monthly statement
*ATM or Debit card available
*Unlimited number of checks written per month

Cost:
*$5.00 monthly maintenance fee when account balance drops below $50.00

Money Market Account

Description:
*Interest bearing account allowing limited withdrawals

Requirements:
*Minimum Balance to Open Account - $1000.00
*Transactions are limited to six debits per month, only three of these can be by check or
draft.

Benefits:
*Attractive Interest rates earned based on the required minimum average collected balance of $1000.00.
*Check images returned with your monthly statement

Cost:
*A monthly maintenance fee of $5.00 will be assessed every statement cycle the average collected balance drops below $1000.00.
*An activity fee of $3.00/debit transaction will be assessed for each transaction over the maximum of the six allowed.
*Interest rates may change at any time at the discretion of the bank.

Passbook Savings Accounts

Description:
*An account that earns interest

Requirements:
*$10 Minimum Balance to Open Account
*Debits from this account are limited to six per calendar quarter.

Benefits:
*Interest is paid quarterly
*ATM Card available

Cost:
*An activity fee of $2.00 per transaction is assessed for each debit in excess of six debits per calendar quarter.
*Interest rates may change at any time at the discretion of the bank.

Health Savings Account

Description:
*A tax-exempt savings account that allows you to accumulate savings tax free to pay for qualified medical expenses.

Requirements:
*You must be enrolled in a qualifying High Deductible Health Plan to open a Health Savings Account.
*No Minimum Balance to Open Account

Benefits:
*Traditional check writing convenience for qualified medical expenses
*Monthly bank statements with images
*Earn interest on your HSA account. Interest is credited to your account monthly.
*Free IRS reporting of your contributions and distributions
*Balances held in a HSA will automatically roll over from year to year.

Business Banking

Business Checking Account

Description:
* A Basic Checking Account

Requirements:
*No Minimum Balance to Open

Benefits:
*Check images returned in your monthly statements
*ATM or Debit card available
*Accounts having a balance of $300 or more will not incur a monthly service charge.

Cost:
*$5 per month if your minimum daily balance is $299.99 or less
*Activity fee of $.05 per paper debit for each check after the first 12 debits if balance falls
below $300.00.


Certificates of Deposit

Description:
*We offer CDs with varying maturities ranging from 3 to 60 months.
*Come in and inquire about our rates on any of the above termed CDs.

Benefits:
*You can receive your interest by check, have it deposited into any of your deposit accounts or have the interest deposited back into the CD.

Cost:
*A penalty may be imposed for early withdrawal.


Individual Retirement Arrangements (IRAs)

Description:
*An account to supplement other pension plans or social security income you anticipate in retirement.

Requirements:
* Traditional IRAs –If you are under 70 ½ and have earned income from employment, up
to a maximum contribution of $4000.00. There is no minimum contribution in any year.
*Roth IRAs – Individuals may contribute up to $4000 per year if their modified adjusted
gross income (MAGI) is less the $110,000.

Benefits:
*Traditional IRAs – Eligible savers may enjoy tax benefits during their income-
producing years with a Traditional IRA, which is taxed at the then-current tax rate
upon withdrawal.
* Roth IRAs – Are funded with after-tax dollars but grows and is distributed tax-free for
qualified savers.

Cost:
*$25.00 fee to close or transfer an IRA account.