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Personal
Checking Accounts |
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Regular Checking |
Checking account for those who want to maintain a minimum balance in order to avoid all maintenance fees.
A minimum monthly balance of $300 is required in order to avoid fees.
Check images are included in the monthly statement.
You must deposit $300 to open this account.
A monthly maintenance fee of $5, and a per item fee of .20¢ is charged if at any time during the month the balance falls below $300.
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Direct Deposit
Checking |
Checking account for those who have a monthly direct deposit, such as payroll or social security automatically deposited into the account.
No minimum balance is required.
Check images are not included in the monthly statement.
You must deposit $200 to open this account.
No maintenance or transaction fees are assessed as long as there is a minimum monthly direct deposit of $100. If the direct deposit ceases, the account will be converted to a Regular Checking account.
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Student Checking |
Checking account for those who have a valid student ID.
No minimum balance is required.
Check images are not included in the monthly statement.
You must deposit $100 to open this account.
No maintenance or transaction fees are assessed as long as the student ID is valid. If the student ID expires, the account will be converted to a Regular Checking account.
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Budget Checking |
Checking account for those who write very few checks per month.
No minimum balance is required.
Check images are not included in the monthly statement.
You must deposit $200 to open this account.
Service fee of .25¢ per item.
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Flat Fee Truncated Checking |
Checking account for those who want to write an unlimited number of checks paired with the simplicity of paying a flat fee per month.
No minimum balance is required.
Check images are not included in the monthly statement.
You must deposit $200 to open this account.
Monthly flat fee of $6.
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Flat Fee Non-Truncated Checking |
Checking account for those who want to write an unlimited number of checks paired with the simplicity of paying a flat fee per month.
No minimum balance is required.
Check images are included in the monthly statement.
You must deposit $200 to open this account.
Monthly flat fee of $8.
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Senior Checking |
Checking account for those who are 55 years or older.
No minimum balance is required.
Check images are included in the monthly statement.
You must deposit $200 to open this account.
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Now Checking |
Interest bearing checking account. Please refer to the rate sheet or contact the bank for current rates.
A minimum monthly balance of $1,000 is required in order to avoid fees.
Check images are included in the monthly statement.
You must deposit $1,000 to open this account.
A monthly maintenance fee of $10 is charged if at any time during the month the balance falls below $1,000.
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Business
Checking Accounts |
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Small Business
Checking |
Checking account for businesses that transact only a small number of checks and deposits per month.
No minimum balance is required.
Check images are included in the monthly statement.
You must deposit $200 to open this account.
A monthly maintenance fee of $5, and a fee of .25¢ per debit and .25¢ per credit over the limit of 22 each.
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Regular Business
Checking |
Checking account for businesses who wish to offset fees with credit back based on average collected balances maintained in the account.
No minimum balance is required.
Check images are included in the monthly statement.
You must deposit $200 to open this account.
A monthly maintenance fee of $5, a per item fee of .15¢, and a per deposited item fee of .09¢ is charged. These fees are offset up to the maximum amount charged, with a .25¢ credit back per each $100 of the average collected balance maintained in the account during the statement cycle.
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Basic Business
Checking |
Checking account for businesses that have moderate monthly activity.
A minimum monthly balance of $500 is required in order to avoid the monthly maintenance fee.
Check images are included in the monthly statement.
You must deposit $500 to open this account.
A monthly maintenance fee of $8 is charged if at any time during the month the balance falls below $500. The first 500 items are free. A fee of .20¢ is charged for each item over the 500 limit.
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Savings
Accounts |
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Regular
Savings |
Interest bearing account. Please refer to the rate sheet or contact the bank for current rates.
A minimum monthly balance of $100 is required in order to avoid fees.
This account is subject to Reg D transaction limitations.
You must deposit $100 to open this account.
A monthly maintenance fee of $1 is charged if at any time during the month the balance falls below $100. There is a $1 charge for each withdrawal over 6 in the monthly statement cycle.
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Youth Savings |
Interest bearing Savings account for youth under the age of 18. Please refer to the rate sheet or contact the bank for current rates.
No minimum balance is required.
This account is subject to Reg D transaction limitations.
You must deposit $10 to open this account.
There is a $1 charge for each withdrawal over 6 in the monthly statement cycle. When the youth turns 18, the account will be converted to a Regular Savings account.
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Money Market
Savings |
Interest bearing account. Please refer to the rate sheet or contact the bank for current rates.
A minimum monthly balance of $1,000 is required in order to avoid the monthly maintenance fee.
This account is subject to Reg D transaction limitations.
You must deposit $1,000 to open this account.
A monthly maintenance fee of $10 is charged if at any time during the monthly statement cycle the balance falls below $1,000. There is a $10 charge for each withdrawal over 6 in the monthly statement cycle.
If a deposit contains more than 24 items, there will be a $1 charge for each item over the limit.
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Individual
Retirement Accounts |
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Fixed and Variable Rate Accounts |
| These are interest bearing
accounts. Please see the rate chart or call the bank for
current rates. These accounts are subject to early
withdrawal penalties. You must deposit a minimum of $500.00
to open this account. |
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Certificates
of Deposit |
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These are interest bearing
accounts with different interest payment and maturity
options to chose from. Please see the rate chart or call the
bank for current rates. These accounts are subject to early
withdrawal penalties. You must deposit a minimum of $500.00
to open this account. |
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Safety
Deposit Boxes |
| Safekeeping services for your
valuables and important documents. Box sizes vary from 3x5
to 10x10. |
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Loans |
Agriculture, Commercial, SBA,
Real Estate, Home Equity Lines of Credit, and Consumer Loans are offered.
Please contact one of our loan
officers at (406) 549-2265 for current rates and additional
information.
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