Free Checking

• Initial Deposit of $50.00
• No Service Fee
• Unlimited Transactions
• Monthly Statements

Regular Checking

• Initial Deposit of $50.00
• Unlimited Transactions
• Monthly Statements
• Average daily balance to avoid service charge is $300.00

Now Account

• Interest-bearing account
• Interest accrued daily on collected balance and compounded monthly
• No transaction limits
• Initial Deposit is $1,500.00
• $5.00 Monthly Service Charge fee is balance falls below $1,500.00
• Must maintain minimum account balance of $1,500.00 to obtain disclosed annual percentage yield.
• Interest rates can change periodically.

Senior Advantage Account

• Interest-bearing account
• Interest accrued daily on collected balance and compounded monthly
• No transaction limits
• Initial Deposit is $1,000.00
• Must be 62 or older
• Small lock box for 1st year is free – every year thereafter, lock box fee is 30% off.
• Must maintain minimum account balance of $1,000.00 to obtain disclosed annual percentage yield.
• Interest rates can change periodically.

Passbook Savings Account

• Interest-bearing account
• Initial Deposit is $50.00
• Interest accrued daily on collected balance and compounded quarterly.
• Interest rates can change periodically.
• Limited to (6) withdrawals per calendar month.
• $2.00 fee on each withdrawal over the allowed limit per calendar month
• $1.00 fee if the account balance falls below $100.00  per calendar month (this fee waived on juvenile accounts)

Money Market Account

• Interest-bearing account
• Interest rates can change periodically
• Interest accrued daily on collected balance and compounded monthly.
• Limited to 3 withdrawals each statement cycle; ATM/Debit card not permitted
• Initial Deposit is $2,500.00 or greater
• Must maintain minimum account balance of $2,500.00 to obtain disclosed annual percentage yield.
• $8.00 monthly service charge if balance falls below $2,500.00
• Excessive withdrawal fee of $15.00 charged for each withdrawal exceeding limitations above.
  

Premier Account

• Interest-bearing account
• Interest rates can change periodically
• If daily balance is > $10,000.00 interest rate paid will be based upon a rate that considers tiered balances.
• Interest accrued daily on collected balance and compounded monthly.
• Only (3) withdrawals permitted each statement cycle (ATM not permitted)
• Initial Deposit is $10,000.00 or greater
• $8.00 monthly service charge if balance falls below $10,000.00
• Excessive withdrawal fee of $15.00 charged for each withdrawal exceeding limitations above.

Super Now Account

• Interest-bearing account
• Interest accrued daily on collected balance and compounded monthly
• No transaction limits
• Initial deposit of $2,500
• Must maintain minimum account balance of $2,500 to obtain disclosed annual percentage yield
• Interest rates can change periodically
• $8.00 monthly service charge if balance falls below $2,500

Certificate of Deposit and Individual Retirement Accounts

• Initial Deposit is $1,000.00
• Terms from 30 days to 5 years
• Interest accrues daily and is compounded at maturity unless maturity is > than 1 year, then interest will be compounded annually.
• Can be set up as Automatically renewable.
• A penalty will be imposed for early withdrawal.

Preferred Bank Club

• Accidental Death & Dismemberment Insurance
• Prescription Drug Discounts
• Credit Card Registration Service
• Free Internet Banking
• Free In Bank Transfers
• Discount on Lock Box
• In-House Account Opening
• Free Cashier's Checks
• Photocopies
• Free Account Print Outs
• Initial Deposit is $50.00
• Must maintain a personal (not business) checking account
• Monthly fee of $7.50 unless you purchase additional $10,000 / $8.50 per month or $20,000 / $9.50 per month accidental death and dismemberment insurance coverage.
• Personalized Checks (up to 3 boxes per year)
• Maintain minimum balance of $2500 and you will receive all of the benefits in Bank Club for one half the normal monthly fee

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