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 you account each month, if by preathorized 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.

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.
• Limited to six (6) transfers each month of which three (3) may be by check payable to third parties.
• 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.