Personal

You are unique. You need choices. We can help. With checking accounts ranging from our "Regular Checking, to our "Free and EZ Checking", we have the options you're looking for. Call or stop in to open an account.


Personal Accounts


FREE and EZ Checking

  • Minimum Balance to Open Account: $100
  • 24-Hour Tele-bank Access
  • Monthly Statements (no images)
  • Internet Banking - Basic
  • Free Bill Pay
Optional Fee Based Services
  • ATM / Debit Card: $1 per month/per card, transaction fees may apply with use at other ATMs
  • Images: 1 free per month; $1 each thereafter
  • Custom Checks: prices vary

Regular Checking

  • Minimum Balance to Open Account: $100
  • 24-Hour Tele-bank Access
  • Monthly statements with images
  • Internet Banking - Basic
  • Free Bill Pay
  • Money Orders: no fee, limit 2 per month
  • Service Charge (per statement cycle based on low ledger balance)
    • Balance < $500 - $8
    • Balance > $499 and < $999.99 - $7
    • Balance > $999.99 - No charge
    • Golden Years (65 or better) - No charge
Optional Fee Based Services
  • ATM / Debit Card: $1 per month/per card, transaction fees may apply with use at other ATMs
  • Custom Checks: prices vary

Premium Value Checking

  • Minimum Balance to Open Account: $100
  • 24-Hour Telebank Access
  • Monthly statements with images
  • Internet Banking: Basic and Bill Pay
  • Money Orders: no fee
  • Checks (bank safety paper): No fee
  • Temporary Checks: No fee
  • Gift and Money Cards: No fee
  • 30% Discount on Safe Deposit Boxes
  • Service Charge (per statement cycle based on low ledger balance)
    • Balance < $1499.99 - $10
    • Balance > $1499.99 - No charge
Optional Fee Based Services
  • Custom Checks: 15% Discount

NOW Checking

  • Minimum Balance to Open Account: $1,000
  • Service Charge
    • Balance falls below $1,000 any day of the statement cycle: $15
  • Unlimited checking
  • No interest paid if balance falls below $1,000 during statement cycle
  • Interest paid monthly if requirements are met

MMDA (Money Market) Checking

  • Minimum Balance to Open Account: $1,000
  • Unlimited in person or ATM transactions
  • Certain withdrawal limitations apply
  • No interest paid if balance falls below $1,000 during statement cycle
  • Interest paid monthly if requirements are met
  • Tiered yields: higher balances earn higher yields
  • Fee of $15.00 if account balance falls below 1,000

Regular Savings

  • Minimum Balance to Open Account: $100
  • Service Charge
    • Balance falls below $100 during statement cycle: $3
  • Certain withdrawal limitations apply
  • $1 for each withdrawal in excess of limit
  • No interest paid if balance falls below $100 during statement cycle
  • Interest paid quarterly if requirements are met
  • Tiered yields: higher balances earn higher yields

Certificates of Deposit (CDs)

  • MINIMUM BALANCE TO OPEN ACCOUNT: $2,500
  • MINIMUM BALANCE TO OBTAIN THE ANNUAL PERCENTAGE YIELD DISCLOSED: The disclosed annual percentage yields assumes the interest will remain on deposit until maturity. A withdrawal of interest will reduce the annual percentage yield. The disclosed annual percentage yield will be paid on the entire balance.
  • COMPOUNDING AND CREDITING FREQUENCY: Interest accrues daily and is credited to your account or paid to you monthly, quarterly, semi-annually, at maturity, or as agreed.
  • TRANSACTION LIMITATIONS: After the account is opened, you may not make any deposits into or withdrawals from the principal in the account until the maturity date.
  • CERTIFICATE RENEWAL AND INTEREST ACCRUAL AFTER MATURITY DATE: No interest will accrue after maturity date for a single maturity Certificate. If Certificate automatically renews, a grace period of ten (10) days from maturity date exists to present the certificate for payment without penalty. If the certificate automatically renews, it will be renewed at the rate in effect at this institution on the date of maturity. For renewed certificates interest will begin accruing from the first (1) day of the grace period. Certificates presented for payment will not earn interest after maturity.
  • PENALTIES FOR EARLY WITHDRAWAL: A penalty of three (3) months interest on the amount withdrawn at the rate being paid upon deposit will be imposed on Certificates of Deposit with original maturity of one (1) year or less. A penalty of six (6) months interest on the amount withdrawn at the rate being paid upon deposit will be imposed on Certificates of Deposit with original maturity of more than one (1) year.

Individual Retirement Accounts (IRAs)

  • MINIMUM BALANCE TO OPEN ACCOUNT: $25
  • MINIMUM BALANCE TO OBTAIN THE ANNUAL PERCENTAGE YIELD DISCLOSED: The disclosed annual percentage yield will be paid on the entire balance.
  • COMPOUNDING AND CREDITING FREQUENCY: Interest accrues daily and is compounded and credited the last day of the monthly statement cycle.
  • EFFECT OF CLOSING AN ACCOUNT: If you close your account before interest is credited, you will not receive the accrued interest.

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