Personal Banking

 

 

 

 

 

 

 

 

Deposit Products:

Free Checking:

NO minimum balance required. NO monthly service fee. Free ATM card. First order of 40 basic checks free. Statement and check images provided monthly.

Tiered Statement Savings:

Interest is paid from the day of deposit to the day of withdrawal. Interest is compounded daily and credited monthly. $5 minimum balance required to open. 

Tiered IRA Statement Savings:

Interest is paid from the day of deposit to the day of withdrawal. Interest is compounded daily and credited monthly.

Money Market Checking Accounts:

Low minimum balance of $1,000 is required to open. Unlimited withdrawals in person. Transfers from a Money Market account to another account or to a third party by preauthorized, automatic or telephone transfer are limited to six per statement cycle including check, draft, debit card, or similar order to third parties.  Interest paid from day of deposit to day of withdrawal and is credited monthly. A $25 fee is charged for each item exceeding the above limitations.

Certificates of Deposit:

Terms available from three (3) months to sixty (60) months.

Individual Retirement Accounts:

Available for 6, 12, 15, 18, 24, 30, 36, 48 or 60 months.

For current rates, please click here or call 1-800-859-1939.

Our Fees:
**Overdrafts (Paid) $25.00
**Uncollected / Unavailable Funds $25.00
**NSF (Returned)  $25.00
Stop Payment $15.00
Outgoing Domestic Wire $15.00
Incoming Wire $10.00
Returned Deposited Item $10.00
Certified Check $ 5.00
Teller Check $ 4.00
Dormant Checking monthy after 12 months of inactivity $ 5.00
Bond Coupons  (Per envelope) $ 5.00

**The fee applies to overdrafts created by check, in-person withdrawal, ATM withdrawal, or other electronic means, as applicable.

 

Additional Products and Services:

Holiday Clubs
Notary Public
24-Hour ATM Banking
Direct Deposit
Signature Guarantee
Online Banking
Bill Pay