Personal Banking
Checking Accounts
Basic Checking
Free ATM/Visa Debit Card
Opening Balance: $50
Balance to Avoid Service Charge: $0
Service Charge: $0
Per Check Charge: 15 cents per check over 15 in a statement cycle
Interest: None
Monthly Statement w/out Canceled Checks
Regular Checking
You must deposit $100.00 to open this account.
MasterCard Debit Card
Monthly Statement with images
Student Checking
Free ATM Card
Opening Balance: $50
Balance to Avoid Service Charge: $0
Service Charge: $0
Per Check Charge: 15 cents per check over 20 in a statement cycle
Interest: none
Monthly Statement with Canceled Checks
Senior Checking
Must be 55 Years of Age or Better
Free ATM/Visa Debit Card
Opening Balance: $0
Balance to Avoid Service Charge: $0 service charge with the direct deposit of a social security, retirement, or pension plan check
Service Charge: $5 per month without direct deposit
Per Check Charge: $0
Interest: Tiered market rates paid monthly on average collected balance. Interest rate increases as balance increases.
First Order of Logo Checks Free
Monthly Statement with Canceled Checks
Interest Checking
Interest Checking
Free ATM/Visa Debit Card
Opening Balance: $1500
Balance to Avoid Service Charge: $1500
Service Charge: $10 per month
Interest: Tiered market rates paid monthly on average collected balance. Interest rate increases as balance increases.
Unlimited Check Writing
Monthly Statement with Canceled Checks
Money Market Checking
Opening Balance: $2500
Balance to Avoid Service Charge: $2500
Service Charge: $15 per month
Excess Activity Charge: $10 per debit in excess of 6 or $10 per third party withdrawal in excess of 3 per statement cycle
Interest: Tiered market rates paid monthly on average collected balance. Interest rate increases as balance increases.
Limited Check Writing
Monthly Statement with Canceled Checks
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
Business Checking
Basic Business Checking
Opening Balance: $100
Balance to Avoid Service Charge: $0
Service Charge: $10 per month
Per Check Charge: 15 cents per check over 20 checks in a statement cycle
Interest: None
Business Checking
Opening Balance: $100
Service Charge: $10 per month
Per Item Charge: See account analysis fee schedule. Fees offset by an earnings allowance credit.
Interest: None
Interest Checking
Business Money Market Checking
Opening Balance: $2500
Balance to Avoid Service Charge: $2500
Service Charge: $15
Excess Activity Charge: $10 per debit in excess of 6 or $10 per third party withdrawal in excess of 3 per statement cycle
Interest: Tiered market rates paid monthly on average collected balance.Interest rate increases as balance increases
Limited Check Writing
Savings
Savings
Opening Balance:$300
Balance to Avoid Service Charge: $300
Service Charge: $5 per quarter
Excess Activity Charge: $5 per withdrawal in excess of 6 per quarter
Interest: Tiered market rates paid quarterly on average collected balance. Interest rate increases as balance increases.
Loan Products
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
Mortgage Financing for Apartment Complexes, Shopping Centers, Office Buildings and Warehouses
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