Personal Banking

Non-Interest Checking Personal

Our non-interest checking account simplifies maintenance of your account

  • No monthly service charge or per check charge on active accounts.
  • Unlimited transactions and check writing.
  • Minimum deposit of $100.00 to open account.
  • Imaged checks for your convenience.
  • No minimum monthly balance required.
  • Overdraft protection - tied to your savings account.
  • Free visa debit card.

Personal Savings

Simplest account to build savings. The minimum balance requirement makes it simple to save money. The account can be tied to your checking account for overdraft protections

  • Minimum deposit of $25.00 to open account.
  • You may make six (6) transfers from your account each month, if by preauthorized or automatic transfer, or telephone agreement order or instruction.
  • Monthly service charge of $5.00 on accounts with balance less than $25.00.
  • Three (3) withdrawals per calendar quarter without, charge, subsequent withdrawals are $ .50 each.
  • Tie this account to your checking account to add overdraft protection.

NOW Personal Checking

Unlimited access to your funds while still earning interest. This account is useful to customers.

  • Individual, sole proprietorship or not-for-profit coporation that is operated primarily for a charitable purpose is, in most cases eligible for a NOW account.
  • Minimum deposit of $1,000.00 to open account.
  • Balance under $1,000.00 - service charge $5.00 per month.
  • Balance under $500.00 - service charge $10.00 plus $ .20 per check.
  • Earns interest but allows unlimited access to the funds.
  • Imaged checks for your convenience.
  • Overdraft protection - tied to a savings account.

Health Savings Account

An interest bearing checking account that is flexible and easy to use. It allows you to put aside *tax-deferred savings to pay current and future medical expenses. When joined with a compatible high-deductible health plan it allows you to make tax-free contributions and withdrawals to pay qualified medical expenses.

  • Minimum deposit $100.00 to open account
  • Free Visa HSA debit card
  • Interest rate tied to tiered balance
  • $2.50 monthly service charge if the balance drops below $3,000.00

*All tax references are at the federal level. For a list of eligible expenses refer to IRS Publication 502, located at www.IRS.gov.

MMDA Personal

This account allows our customers to earn interest at a higher rate while maintaining easy access to the funds.

  • Minimum deposit of $2,500.00 to open account and earn interest.
  • You may make no more than six (6) transactions from your account per statement cycle or similar period. Those Six(6) transactions may be combined transactions of third party check, draft or debit card that includes POS transactions.
  • Transfers made in person, by mail or at an ATM are unlimited.
  • No monthly service charge when balance is $2,500.00 or greater.
  • Earns interest and paid monthly.

Personal Time Deposits Regular

  • Minimum deposit of $1,000.00 to open account.
  • Interest credited by capitalization, deposit to existing checking or savings account or by check.
  • A penalty will be imposed if you withdraw any of the principal prior to the maturity date.

Individual Retirement Accounts and Time Deposit Open Accounts

  • Minimum deposit of $1,000.00 to open account
  • Interest credited by capitalization
  • TDOA’s – you can make weekly, monthly etc. deposits up to the annual limit authorized by IRS.

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