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CHECKING ACCOUNTS
Account Type / Minimum to Open
REGULAR CHECKING
$50.00
- Unlimited check writing.
- Debit Card available to qualified account holders.
- Tiered monthly maintenance fee apply to balances below $500.00. See FEES & CHARGES sheet.
- Free checking to organizations (clubs) and to personal account owners over the age of 65**
- Monthly statement with check images.
NOW CHECKING
$1,000.00
- Monthly maintenance fee of $10 is applied if the balance falls below $750.00 any day of the monthly statement cycle.
- First 25 checks free then per item (check) charge of 0.10 applied.
- Debit Cards available to qualifying account holders.
- The account is an interest bearing account. See RATE SHEET for current rate and annual percentage yield.
- Monthly statement with check images.
SUPER NOW CHECKING
$2,500.00
- Monthly maintenance fee of $10 is applied if the balance falls below $1,000.00 any day of the monthly statement cycle.
- Monthly AVERAGE balance of $2,500.00 must be maintained to receive Super Now Account rate.
- Unlimited checking debits.
- Debit Cards available to qualifying accounts holders.
- This account is an interest bearing account. See RATE SHEET for current rate and annual percentage yield.
- Monthly statement with check images.
SAVINGS ACCOUNTS
Account Type / Minimum to Open
MONEY MARKET SAVINGS
$2,500.00
- Monthly AVERAGE balance of $2,500.00 must be maintained to receive Money Market Account rate.
- Monthly maintenance fee of $10 is applied if the balance falls below $1,000.00 any day of the monthly statement cycle.
- This is an interest bearing account. See RATE SHEET for current rate and annual percentage yield.
- Monthly statement with check images.
SAVINGS
$50.00
- Two (2) withdraws or transfers allowed per month. $5.00 charge per item over two (2).
- Telephone transfers available for $5.00 per transfer.
- This account is an interest bearing account. See RATE SHEET for current rate and annual percentage yield.
- Statements printed at least quarterly.
OTHER ACCOUNTS
Account Type / Minimum to Open
IRA - TRADITIONAL / ROTH / SEP
$500.00
- IRA interest is calculated on the daily balance method, compounded/paid on the first day of January and July.
- APY is based on semi-annual compounding.
- Interest rate and annual percentage yield may change quarterly.
CERTIFICATE OF DEPOSITS
$500.00
- Automatically renewable certificates will automatically renew at maturity. You will have ten (10) business days from the maturity date to withdraw your funds without being charged a penalty. Single maturity certificates will draw no interest after maturity.
- After the account is opened, you may not make deposits into or withdrawals from this account until the maturity date.
- All certificate of deposit APYS are based on semi-annual compounding except CD terms of 91 day or less.
Checking, Savings, IRA Savings and New Customer CD's require visiting the Bank to open the account. We may offer an option to well established existing customers wanting to open additional accounts.
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