Freedom checking is ideal for individuals and non-profit organizations who wish to eliminate their service charge and who do not require an image of their checks with their monthly statement.

Limitations:

You must deposit $100.00 to open this account.  This account will be closed if the balance drops below $10.00 and remains under $10.00 for a period of 60 days. Duplicate checks are recommended.

Unlimited checking is our standard checking account. The minimum opening balance is $200.00.  You will recieve an image of your checks with your monthly statements.    There is no service charge if the daily balance exceeds $500.00.

If the daily balance drops below $500.00 any day of the month, a monthly maintenance fee of $8.00 will be charged.

Premier Club account is for all individuals who enjoy the convenience of additional benefits along with a flat monthly service charge.    Premier Club customers receive free "club" checks, money orders, cashiers checks, travelers checks, and an accidental death and dismemberment insurance policy.

You must deposit $200.00 to open this account. The monthly maintenance fee on this account is $12.00

Prime Time Club is for all individuals age 55 and above who enjoy the convenience of additional benefits along with a flat monthly service charge.    Prime Time club members receive free "club" checks, money orders, cashiers checks, travelers checks, and an accidental death and dismemberment insurance policy.

You must deposit $200.00 to open this account. The monthly maintenance fee on this account is $5.00.

Advantage Checking is our interest-bearing checking account for personal use.    The daily balance method is used to calculate interest on accounts that maintain a $1,000.00 balance.

You must deposit $1,000.00 to open this account. If the daily balance drops below $1,000.00, a monthly maintenance fee of $10.00 will be charged and no interest will be paid.

May be attained at our Main Bank.

Performance checking is a limited transaction account for customers who maintain a balance of $2,500.00 or more.    This account draws a higher rate of interest than Advantage checking.

You must deposit $2,500.00 to open this account. You may make 6 transfers during a 4 week period, but only 3 may be payments by check to third parties. For every debit in excess of   3, a $2.50 fee will be charged. If the daily balance drops below $2,500.00 any day of the month, a monthly maintenance fee of $12.50 will be charged.

May be attained at our Main Bank.

Business checking is available to all customers who engage in commercial activities.    

You must deposit $200.00 to open this account. If the daily balance drops below $5,000.00 any day of the month, a $12.50 monthly maintenance fee will be charged. On high activity accounts, an additional service charge may be negotiated.

Rate Information:

May be attained at our Main Bank.

Business Advantage is an interest-bearing account available to owners of sole propietorships for business purposes.

You must deposit $1,000.00 to open this account. If the daily balance drops below $10,000.00 any day of the month, a $12.50 monthly maintenance fee will be charged. On high activity accounts, an additional service charge may be negotiated.

May be attained at our Main Bank.

Personal Savings gives you easy access to your funds, a market rate of interest, and FDIC insurance----a winning combination.

You must deposit $200.00 to open this account. You may make six transfers from your account each four week period. However, for every withdrawal in excess of three per quarter, a fee of $2.50 will be charged. Your account will be assessed a $5.00 quarterly maintenance fee if the daily balance drops below $100.00 any day of the quarter.

May be attained at Main Bank.

Kids Club Express allows you to start saving for the future with only a small opening deposit.      This account is limited to children ages birth to 10 years.

You must deposit $25.00 to open this account. You may not deposit more than $500.00 to this account. No withdrawals allowed for the first six months; thereafter, two withdrawals per year.

May be attained at our Main Bank.