Personal Services

• On Time Checking
• Vintage Checking (55+)
• Checkless Checking
• Now Checking
• Money Market
• Christmas Club
• Regular Savings

On Time Checking

• Minimum deposit to open -$100.00
• No monthly net service charge
• No minimum balance required
• Free In-house checks
• Free Debit Card upon approval
• Free Bill Pay along with Free Internet and Telephone banking

Vintage Checking

• Senior account to those 55 and older, no net service charge
• Minimum deposit to open -$100.00
• Free personal Vintage checks (wallet, non-duplicate)
  $5.00 per year discount on Safe Deposit Box rentals
• Free Debit Card upon approval
• Free Bill Pay along with Free Internet and Telephone banking

Checkless Checking

• ATM/DEBIT Card issued only
• No check writing capabilities
• Minimum deposit to open -$100.00
• Net Service charge of $5.00 per month
• Free Bill Pay, Internet and Telephone Banking

Now Checking

• Minimum deposit to open -$100.00
• Net service charge of $10.00 if balance falls below $1,500
• Interest paid on a tier balance:
• up to $4,999.99
  • $5,000.00 to $9,999.99
  • $10,000.00 to $49,999.99
  • Above $50,000.00
• Free Bill Pay, Internet and Telephone Banking
• Free Debit Card upon approval

Money Market

• Minimum deposit to open: $2,500.00
• Net service charge of $10.00 if balance falls below $2,500
• Interest paid on tier balance:
  • Up to $4,999.99
  • $5,000.00 to $9,999.99
  • $10,000.00 to $49,999.99
  • Above $50,000.00
• 6 (six) Free Debits per month
• $6.00 fee per debit over limit
• Free Bill Pay, Internet and Telephone Banking
• Free Debit card upon approval

Christmas Club Savings

• Minimum deposit to open -$5.00
• Interest paid annually
• 2 (two) withdrawals per year can be made with a $2.00 fee each
• Early closing fee of $5.00 with no interest paid

Regular Savings

• Minimum deposit to open -$25.00
• 2 (two) free withdrawals per month
• $2.00 per excessive activity charge
• Interest paid quarterly