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.


 
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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.

Limitations:

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


 
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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, cashiers checks and an accidental death and dismemberment insurance policy.

Limitations:

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


 
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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, cashiers checks and an accidental death and dismemberment insurance policy.

Limitations:

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


 
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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.

Limitations:

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.

Rate Information:

May be attained at our Main Bank.


 
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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.

Limitations:

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.

Rate Information:

May be attained at our Main Bank.


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

Limitations:

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.


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

Limitations:

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.

Rate Information:

May be attained at our Main Bank.


 

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

Limitations:

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.

Rate Information:

May be attained at Main Bank.


 
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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.

Limitations:

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.

Rate Information:

May be attained at our Main Bank.


 
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