Personal Banking Accounts

Regular Checking

A non-interest bearing account with no transaction limitations provided funds are available to complete all transactions. An opening deposit of $250 is required, and a daily minimum of $750 must be met in order to avoid a maintenance fee of $10.

Interest Checking

An interest-bearing account with no transaction limitations provided funds are available to complete all transactions. Interest accrues daily, compounds and credits monthly. A $500 opening deposit is required, and a daily minimum of $1,000 must be met in order to avoid a maintenance fee of $15.

Money Market

An interest bearing account in which you may make up to six pre-authorized, automatic or telephone transfers from your account each statement cycle. Of the six transactions, no more than three may be a point of sale, draft or check payable to a third party. Interest accrues daily, compounds and credits monthly. There is no limitation on in-person withdrawals. An opening deposit of $1,000 is required, and a daily minimum of $2500 must be met in order to avoid a maintenance fee of $15. A $10 fee will be assessed for each transaction exceeding the limitations.

Statement Savings

Up to nine withdrawals from your account quarterly. Interest accrues daily, compounds and credits quarterly. A $100 opening deposit is required, and a daily minimum of $500 must be met in order to avoid a maintenance fee of $10. A $2 charge will be assessed for each transaction exceeding the limitations. You may make up to six pre-authorized, automatic or telephone transfers from your account each statement cycle. Of the six transactions, no more than three may be a point of sale, draft or check payable to a third party.

Certificates of Deposit

Minimum opening deposit of $1,000 is required. Interest on this account will accrue daily, compound and credit monthly. Certificates having a maturity of less than 30-days will receive interest on the maturity date. Principal withdrawals prior to maturity will result in a penalty.

IRA

Minimum opening deposit of $1,000 is required. Interest on this account will accrue daily, compound and credit monthly. Withdrawals made prior to age 59 ½ or prior to maturity will be assessed a penalty.