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Personal Banking
Checking Accounts
Regular Checking
You must deposit $100.00 to open this account.
MasterCard Debit Card
Monthly Statement with images
Checking Disclosures
REGULAR CHECKING
You must deposit $100.00 to open this account.
| Average Daily Balance |
Debits Allowed |
Extra Debits |
Extra Debits |
| $ 00 - 150.00 |
5 |
$0.15 |
$5.00 |
| 150. - 300.00 |
10 |
0.15 |
4.00 |
| 300. - 500.00 |
15 |
0.15 |
3.00 |
| > 500.00 |
Unlimited |
Unlimited |
0.00 |
NOW ACCOUNT
- You must deposit $1000.00 to open this account.
- Minimum average daily balance of $1000.00. If the balance drops below the minimum, there will be a maintenance fee of $15.00 and no interest will be paid during the period.
- 15 free debits each month and a $0.25 charge for each additional debit.
SUPER NOW ACCOUNT
- You must deposit $2500.00 to open this account.
- Minimum average daily balance of $2500.00. If the balance drops below the minimum, there will be a maintenance fee of $20.00 and no interest will be paid during the period.
- 20 free debits each month and a $0.25 charge for each additional debit.
MONEY MARKET ACCOUNT
- You must deposit $2500.00 to open this account.
- Minimum average daily balance of $2500.00. If the balance drops below the minimum there will be a maintenance fee of $20.00 and no interest will be paid during the period.
- Six withdrawals/transfers each month and a $5.00 transfer/withdrawal charge for each additional transfer/withdrawal by mail or person. (Telephone transfer, preauthorized transfers & checks cannot exceed six and no more than three of these six can be by debit to a third party.
OTHER ACCOUNT FEES
| Overdraft and Returned Check Charge |
$20.00 / item |
| Stop Payment |
$15.00 |
| Hold on Account (90 days) |
$15.00 |
| Checkbook Balancing |
$15.00/hr |
| Wire Transfers (outgoing) |
$10.00 |
| Dormant Account Fee |
$3.00 |
An account is dormant if for 18 months no deposits or withdrawals are made by you, no communication is received about the account or any other account from you, or correspondence to you regarding any of your accounts is returned for an incorrect address. |
Savings/ Certificate of Deposits/ IRAs
Savings
Opening Balance: $100
Excess Activity Charge: $1 per withdrawal in excess of 9 per quarter.
Interest is compounded daily and credited quarterly on the last day of each quarter. We use the average daily balance method to calculate the interest on your account. This method applies a periodic rate to the average daily balance in the account for the period.
Certificate of Deposits
$1,000 minimum
Interest compounded monthly
Competitive Rates
Terms from 30 days to 60 months
IRAs
Financial Security for retirement
Traditional IRAs
Roth IRAs
Competitive Rates
Loan Products
Automobiles, Boats, and Recreational Vehicles
- New or used financing available
- Flexible terms
Personal
- Flexible terms
- Competitive Rates
Residential Real Estate
- In house or secondary market financing
- Competitive fixed or variable interest rates
- Flexible terms and conditions
- Convenient home equity loans and lines of credit
- Home improvement loans
Residential Construction
- Flexible terms and conditions
- Competitive interest rates
- Convenient construction and permanent financing
Business Banking
Commercial/Agriculture
- Exceptional convenience designed by the customer
- Competitive interest rate
Commercial/Agriculture Real Estate
- Flexible terms and conditions
- Competitive interest rate
Commercial Construction
- Flexible terms and conditions
- Competitive interest rate
Residential Construction
- Flexible terms and conditions
- Competitive interest rate
Specials:
- Wire Transfers
- Automatic Payments
- Drive-Thru Banking
- Bank by Mail
- Bank Drafts
- Night Depository
- Notary Public
- Personal Money Orders
- Debit Cards
- Safe Deposit Boxes
Mortgage Financing for Apartment Complexes, Shopping Centers, Office Buildings and Warehouses
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