Deposit Products

Select a Deposit Product to meet your needs:
Checking | Debit Cards | Time-24-Access
Savings | Certificates | Traditional/Roth IRAs

Checking accounts are available to individuals, sole proprietors, businesses, non-profit organizations, clubs, estates and trusts. Visa CheckCard is available to approved accounts and is a convenient and safe way to pay for purchases and obtain cash from ATM machines nationwide. We accept ACH debit and credit items.

The Basic

• No minimum balance
• No interest paid
• $.25 per check after first 20 items

The Premier

• $3.00 charge if balance goes below $500 during statement cycle
• Earns interest
• No charge for writing checks

The Investor
Maintain $5,000.00 certificate of deposit or IRA (minimum 6 month term)

• No minimum balance
• Earns interest
• $.25 per check after first 30 items

The Golden
Receive social security or pension direct deposit

• No minimum balance
• Earns interest
• No charge for writing checks

Business Checking Account

• $5.00 charge if balance goes below $500 during statement cycle
• $.25 per check after first 30 items
• $.25 per deposit after first 10 deposits
• Earns interest if eligible

Interest rates will vary depending on the current rates being paid and balance in the account. Call us for current rates. Rate categories are:

The following features are also available for your convenience:

• Time-24-Access, our 24 hour Telephone Banking
• Debit Card – Make purchases anywhere the debit VisaCard is accepted plus make withdrawals at any ATM terminal
• Overdraft Protection from Savings
• Telephone Transfers
• Direct Deposit – Payroll, Social Security, Pension
• Automatic payments and Transfers

Checking Account Fee Schedule

Stop Payment	$10.00
Overdraft	15.00
Returned Check	20.00
Overdraft Protection – Limited	4.00
Photocopy of check	2.00
Visa CheckCard annual fee	10.00
(First 12 months free)
Checks Returned in Statement (Business)	7.00
Returned Deposit Item (Business)	5.00
Bagged Coin (Business)	$1 per $1000