Products & Services

Personal Accounts


Personal Checking

  • $100 minimum opening deposit
  • Average daily balance of $500 to avoid a monthly service charge of $10
  • Free E-statement or $3 fee for paper statement
  • No Interest
  • Free internet banking with bill pay
  • Free mobile banking
  • MasterCard Debit Card
  • First order free starter checks


Senior Checking (55 & Over)

  • $100 minimum opening deposit
  • Average daily balance of $500 to avoid a monthly service charge of $10
  • Free E-statement or $3 fee for paper statement
  • Earns Interest
  • Free internet banking with bill pay
  • Free mobile banking
  • MasterCard Debit Card
  • First order free starter checks
  • Free official checks


Interest Checking

  • $100 minimum opening deposit
  • Average daily balance of $2,500 to avoid a monthly service charge of $15
  • Free E-statement or $3 fee for paper statement
  • Tiered Interest Rates paid on average daily collected balances of $2,500 or more
  • Free internet banking with bill pay
  • Free mobile banking
  • MasterCard Debit Card


Personal Savings

  • $100 minimum opening deposit
  • Average daily balance of $500 to avoid a monthly service charge of $5
  • Free E-statement or $3 fee for paper statement
  • Earns Interest
  • Free internet banking
  • Free mobile banking
  • Six debit transactions allowed per month

Excessive savings transaction fee of $5 per debit transaction in excess of six allowable per calendar month.


Important notice: Federal regulations allow only six preauthorized debit transactions per calendar month.


Youth Savings

  • $25 minimum opening deposit
  • Free E-statement or $3 fee for paper statement
  • Earns Interest
  • Free internet banking
  • Free mobile banking
  • Six debit transactions allowed per month

Excessive savings transaction fee of $5 per debit transaction in excess of six allowable per calendar month.


Important notice: Federal 
regulations allow only six preauthorized debit transactions per calendar month.


Health Savings Account (HSA)

A Health Savings Account (HSA) offers you the ability to save for your health care deductible and pay for qualified medical expenses. There are tax savings for eligible customers.

  • $100 minimum opening deposit
  • No monthly service charge
  • Free E-statement or $3 fee for paper statement
  • Earns Interest
  • MasterCard Debit Card
  • Tax –Free withdrawals for qualified medical expenses. Visit www.irs.gov for a complete list of qualified expenses.
  • Tax deductible contributions up to the annual contribution limit. Visit www.irs.gov for information about contribution limits.

Consult with your tax advisor or health insurance 
provider for more information.


Eligibility

  • You are covered under a high-deductible health plan (HDHP)
  • You are not covered under another type of health plan that is not an HDHP (certain exceptions apply)
  • You are not enrolled in Medicare
  • You may not be claimed as a dependent on another individual’s tax return


Personal Money Market Account

  • $100 minimum opening deposit
  • Average daily balance of $2,500 to avoid a monthly service charge of $15
  • Free E-statement or $3 fee for paper statement
  • Tiered Interest Rates paid on average daily collected balances of $2,500 or more
  • Free internet banking
  • Free mobile banking

Excessive money market transaction fee of $10 for each transaction in excess of the six allowable per calendar month.


Important notice: Federal regulations limit the 
number of withdrawals and/or transfers to six that may be made from a money market account by check, debit card, telephone/PC transfer (including bill payments) and preauthorized transfer each monthly statement cycle.


Certificates of Deposit (CDs) and Individual Retirement Accounts (IRAs)

  • $1,000 minimum opening deposit
  • Competitive interest rates
  • Available in a variety of terms
  • Automatically renewable for your convenience with a 10 day grace period
  • A penalty may be imposed for early withdrawal


Business Accounts


Economy Business Checking

  • $100 minimum opening deposit
  • Average daily balance of $500 to avoid a monthly service charge of $10
  • 250 transactions free –/$.50 for any transactions over 250. (Items include deposits, checks, deposited items, debits & credits)
  • Free E-statement or $3 fee for paper statement
  • No Interest
  • Free internet banking with bill pay
  • Free mobile banking
  • MasterCard Debit Card


Small Business

  • $100 minimum opening deposit
  • Average daily balance of $5,000 to avoid a monthly service charge of $15
  • 500 transactions free/$.50 for any transactions over 500. (Items include deposits, checks, deposited items, debits & credits)
  • Free E-statement or $3 fee for paper statement
  • No Interest
  • Free internet banking with bill pay
  • Free mobile banking
  • MasterCard Debit Card


Commercial Checking

  • Earnings credit allowance is calculated on the average collected balance less a 10% reserve requirement and applied to offset fees


IOLTA Checking


Commercial Interest Checking

  • $100 minimum opening deposit
  • Average daily balance of $5,000 to avoid a monthly service charge of $25
  • 500 transactions free/$.50 for any transactions over 500. (Items include deposits, checks, deposited items, debits & credits)
  • Free E-statement or $3 fee for paper statement
  • Tiered Interest Rates paid on average daily collected balances of $2,500 or more
  • Free internet banking with bill pay
  • Free mobile banking
  • MasterCard Debit Card


Commercial Money Market Account

  • $100 minimum opening deposit
  • Average daily balance of $2,500 to avoid a monthly service charge of $15
  • Tiered Interest Rates paid on average daily collected balances of $2,500 or more
  • Free E-statement or $3 fee for paper statement
  • Free internet banking
  • Free mobile banking


Excessive money market transaction fee of $10 for each transaction in excess of the six allowable per calendar month.


Important notice: Federal regulations limit the number of withdrawals and/or transfers to six that may be made from a money market account by check, debit card, telephone/PC transfer (including bill payments) and preauthorized transfer each monthly statement cycle.


Commercial Savings

  • $100 minimum opening deposit
  • Average daily balance of $500 to avoid a monthly service charge of $5
  • Free E-statement or $3 fee for paper statement
  • Earns Interest
  • Free internet banking
  • Free mobile banking
  • Six debit transactions allowed per month


Excessive savings transaction fee of $5 per debit transaction in excess of six allowable per calendar month.


Important notice: Federal regulations allow only six preauthorized debit transactions per calendar month.