Personal Banking
Personal Checking Account Options
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| Minimum to Open | $100 | $100 | $100 | $100 | $100 | $100 | $100 |
| Monthly Service Fee | none | $6.00 | $5.97 | $4.97 | $10.00** | none | $5.97* |
| First Check Order Free |  |
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| 24 Hour Telephone Banking | |
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This account uses a tiered interest rate structure for determining which interest rate applies to your account daily. This interest rate is based on your daily principal balance and is paid on your entire balance. Interest is compounded monthly with a $2,500 daily minimum ledget balance, and will be credited to your account at the end of each statement period. If the daily balance for the statement period drops below $500, there is a $5.97 charge for the statement period. Three transactions per month may be made by check or draft, while unlimited transfers can be made in person. |
| Free Online Banking/Billpay | |
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| Free Visa Check Card | |
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| Unlimited Check Writing ATM/Debit Transactions | |
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| Linked Account Option | |
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| Direct Deposit | |
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| Discount Brokerage Service | |
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| Accidental Death Insurance | |
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| Identity Watch & Identity Theft 911 | |
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| Easy Saver Shopping | |
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| Prescription Drug Discounts | |
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| Notary Service | |
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| 50% off Safety Deposit Box | |
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| Interest Compounded Monthly | |
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| * If daily balance falls below $500 ** If daily balance falls below $1,000 | |||||||
Personal Savings Account Options
Statement Savings Account
- Ideal for folks wanting to put aside a little money periodically, but require access to it at any time.
- $100.00 minimum opening balance
- Interest is compounded daily and compounded at the end of the each quarter
- Direct deposit and automatic transfer availability (Some limitations apply, so see us for details)
- There is a fee of $4.97 per withdrawal if over six withdrawals per statement quarter
- If the daily balance for the statement period drops below $100, there is a $3.97 charge for the statement period
Health Savings Account
An HSA is a tax-exempt trust or custodial account established exclusively for the purpose of paying qualified medical expenses of you, your spouse, and your dependents. The funds are owned and controlled by you. You may use your HSA to pay first-dollar expenses that may apply to your deductible and coinsurance. All expenses must be qualified under Section 213(D) of the Internal revenue Code. An HSA allows you to enjoy unique tax benefits and affordable health premiums without risking your protection. The money that you have contributed but did not use, remains in your HSA account year after year.
The minimum deposit to open this account is $25.00. This account comes with a check card and a monthly bank statement with images all at no cost to you. This account is interest earning and the monthly fee* is $1.97. There is a one time set up fee of $15.00.
Looney Tunes Savings
- Savings account for those up to age 16. Upon 16th birthday, the account will convert to a regular savings account
- No Minimum Deposit to open account
- No Monthly Service Fee
- Unlimited deposits and up to six withdrawals per quarter
- Interest rate established at the discretion of the bank. The interest rate and annual percentage yield may change.
- Interest is compounded daily.
- Statements are mailed quarterly
- Interest is paid at each quarterly statement
Certificates of Deposit
For anyone who wants higher rates of interest on their money and does not need immediate access to their funds...Interest can be paid as frequently as each month by check, or deposited into another account with us, or you may choose to have the interest compounded. You make the decision!...Written in terms from 3 months to 4 years...Automatically renewable... Competitive rates...Excellent instruments to use as security for loans
(Some limitations apply. See us for details.)
