All Accounts

Checking:

• Minimum opening deposit of $100.00
• $5.00 monthly minimum balance fee if daily balance drops below $800 within a statement cycle
• No charge for initial debit card
• No charge for online banking
• Bill Pay available (refer to Bill Pay for details and fees)
• Unlimited check writing
• Paper Statement or E-Statements

• Minimum opening deposit of  $100.00
• Electronic delivery of your statement is required
• No charge for online banking
• Bill Pay available - per check charges may apply 
  • Monthly $3.00 fee waived
• No charge for initial debit card
• .10 deposited for every point of sale transaction posted within a statement cycle (cash withdrawals using your debit/ATM card are excluded)
• .10 transaction fee for each check/teller withdrawal over five (5)posted per statement cycle
• $5.00 fee if account is closed with in 90 days of opening

• Minimum opening deposit of $100.00
• $3.00 monthly minimum balance fee if daily balance drops below $800 within a statement cycle
• No charge first order of checks (1 box of cottonball paper only)
• No charge for initial debit card
• No charge for online banking and unlimited check writing
• Bill Pay available (refer to Bill Pay for details and fees)
• Paper Statement or E-Statements

• Minimum opening deposit of $2,500
• $10.00 monthly minimum balance fee if daily balance drops below $2,500 per statement cycle
• Interest earned on balances of $2,500 or more per statement cycle
• Transaction fee of $10 for each debit over 6 per statement cycle***

• Minimum opening deposit of $1,000
• $10.00 monthly minimum balance fee if daily balance drops below $1,000
• Interest earned on balances of $1,000 or more per statement cycle
• Unlimited check writing
• No charge for online banking
• Bill Pay available (refer to Bill Pay for details and fees)

Savings:

• Debit card available
• Minimum opening balance of  $100.00
• A $2.00 transaction fee per withdrawal will be imposed after 3 withdrawals per month, with the exception of ATM transactions.***
• Statements cycled monthly and printed quarterly
• Interest is credited quarterly to account
• A $5.00 closing fee will be charged within 90 days of opening the account.
• If account balance falls below $100.00, no interest will be earned and a balance requirement fee of $2.00 per month will be charged. 

• Minimum opening balance of $5.00
• Statement Period:  Annually
• Interest is credited annually
• A check for the balance plus interest is mailed annually in November

• Certificates of deposit are proven financial investments with numerous advantages over other investments.
• Flexible terms to match your investment objectives
• Interest payment options - interest deposited to     another account, added back to original certificate,   or paid by check
• Automatic renewals

• Grow retirement savings with tax-deferred dollars since earnings are not subject to federal income tax until
savings are withdrawn.
• Tailor contributions to your situation
• Tax deduction
• Tax-deferred earnings
• Tax benefits continue after retirement

• Allows a maximum non-deductible annual contribution.
• Roth IRA earnings are tax-free as long as principal and earnings have remained in the IRA for at least five years from the first contribution and the withdrawal is a qualified distribution.

• Allows you to begin saving money to help pay for a child, grandchild, or any young person with higher education expenses.