Personal Checking Accounts
For those customers wanting to keep it simple, try our Regular checking account. With an average daily balance of $500.00 or more, there is no service charge. With an average daily balance of less than $500.00, you pay a service charge of $6 per statement cycle. A $50 initial deposit is required to open this account.
NOW Checking Account:
Your NOW Account will earn tiered rate of interest adjusted weekly. If the average balance falls below $1,000.00, your account is subject to a $6 service charge, but your interest still accrues daily for each day that the minimum balance requirement is met, and is paid monthly. Please call for current interest rates for your NOW account.
This checking account is free with a direct deposit registered to the account. If no direct deposit, an account maintenance fee of $6 will be accessed each statement cycle. You are allowed 30 checks per statement cycle with a $1 excess debit fee per check after 30. Debit card available with approval. You are allowed unlimited debit card & ACH transactions. This account also gives you access to our Online Banking & Bill Payment features. A $50 minimum deposit is required to open the account.
You can enjoy all our bank services when you join our Club account. This includes free personalized checks, $10,000 accidental death insurance, discount on Safe Deposit Boxes, and Cashier's checks at no issue charge. Your Club account also gives you access to our Online Banking & Bill Payment features. There is no minimum balance required, and you pay a membership fee of $8 per statement cycle.
Club 50 Gold:
For our customers 50 or over, we offer our Club 50 Gold account. This account offers the same benefits as our Club account with a membership fee of $5.
Money Market Investment Accounts:
A Money Market Account will earn a tiered rate of interest adjusted weekly. Interest will be compounded monthly and credited to your account every statement cycle. If the average daily balance falls below $1,000.00, your account is subject to a $6.00 account maintenance fee. An excess debit fee of $5.00 will be applied to any debit/withdrawal that exceeds 6 in a statement cycle. Regulations allow you to make a maximum of 6 "covered transactions" within a statement cycle. Covered transactions include checks, withdrawals or transfers per phone or internet, preauthorized ACH transfers or preauthorized transfers to cover overdrafts. A minimum deposit of $2,500.00 is required to open this account.
Special Checking Accounts:
Church, Civic and Service group checking accounts are not subject to service charges. Any full-time student (primary through college), is entitled to a no service charge regular checking account with access to Online Banking & Bill Payment features.
You can authorize automatic regularly scheduled transfers of money from your checking account to help build savings, or to pay loans. It's the easier way and it's free.
We can automatically deposit your regular social security and retirement checks, military or corporate, directly into your account for your security and convenience. Ask us for the necessary authorization forms.