CHECKING
Personal Checking Account
- Open with as little as $100
- No minimum balance required
- Debit/ATM card available to qualified applicants
- Overdraft Protection – Automatic transfer from secondary account
- Direct Deposit of Social Security, Pension, and Payroll checks
- Unlimited check writing
Senior Checking
- Minimum of 55 years young
- Open with as little as $100
- No minimum balance required
- Two boxes per year free (Specialty Gray – wallet only)
- Free Debit/ATM card available to qualified applicants
- Overdraft Protection – Automatic transfer from secondary account
- Direct Deposit of Social Security, Pension, and Payroll checks
- Unlimited check writing
- 3 x 5 Safe Deposit Box for $9 per year
NOW Account
- Interest on Checking
- Must maintain minimum daily balance of $1,000 to avoid Service Charge and obtain annual percentage yield (Interest will be compounded monthly and credited to account on last day of each month.)
- Debit/ATM card available to qualified applicants
- Overdraft Protection – Automatic transfer from secondary account
- Direct Deposit of Social Security, Pension, and Payroll checks
- Unlimited check writing
Super NOW Account
- Interest on Checking
- Must maintain minimum daily balance of $2,500 to avoid Service Charge and obtain annual percentage yield (Interest will be compounded monthly and credited to account on last day of each month.)
- Debit/ATM card available to qualified applicants
- Overdraft Protection – Automatic transfer from secondary account
- Direct Deposit of Social Security, Pension, and Payroll checks
- Unlimited check writing
Money Market Deposit Account
- Interest on Checking
- Must maintain minimum daily balance of $2,500 to avoid Service Charge and obtain annual percentage yield (Interest will be compounded monthly and credited to account on last day of each month.)
- Direct Deposit of Social Security, Pension, and Payroll checks
- Some withdrawal restrictions apply
Business Checking Account
- Minimum of $100 to open account
- Monthly maintenance charge of $7.50
- Small service charge per debit/deposit
- Earnings credit received to offset some or all of the above charges
SAVINGS |
Savings
- Interest on Savings
- Must maintain minimum daily balance of $50 to avoid Service Charge (Interest compounded quarterly and credited to account on last day of each calendar quarter. Must maintain minimum daily balance of $50 to obtain annual percentage yield.)
- Direct Deposit of Social Security, Pension, and Payroll checks
- Some withdrawal restrictions apply
Certificates of deposit |
| ....... Term |
Minimum Balance |
| 91-day | $1,000 |
| ..6-month | $2,500 |
| 1-year | $1,000 |
| 2-year | $1,000 |
| 3-year | $1,000 |
| 4-year | $1,000 |
- Early withdrawal penalty
- Automatic renewal
iras |
IRA Flex (Traditional IRA)
The Traditional IRA is an account that allows you to defer taxes on your contributions until they are withdrawn. Also, certain contributions are tax deductible in the tax year for which they are made. Please contact the Bank for more details.
Christmas Club
Christmas Club
- Minimum $5 to open account
- Deposit restrictions of $200 in any one month
- Interest paid annually on October 31 and credited to your account
- No withdrawal allowed. Closing the account prior to November will result in all loss of interest earned plus a $10 penalty.
- A Christmas check will be sent to you within the first week of November.
