Enjoy the following account advantages based on your needs!  Checking accounts are available to individuals, sole proprietors, businesses, non-profit organizations, clubs, estates and trusts.

Plan 1 – The Basic

  • No minimum balance
  • Non-interest bearing
  • No fee for up to 25 checks cleared in a statement cycle

Plan 2 – The Premier

  • Minimum balance of $500
  • Interest bearing
  • Unlimited check writing

Plan 3 – The InvestorMaintain a $5,000 CD or IRA (Minimum 6 Month Term)

  • No minimum balance required
  • Interest bearing
  • Unlimited check writing

Plan 4 – The GoldenReceive Social Security or Pension Direct Deposit

  • No minimum balance required
  • Interest bearing
  • Unlimited check writing

Business Checking Account

  • No fees with minimum balance of $500 during the statement cycle
  • No fee for up to 25 checks cleared in a statement cycle

The following features and services are also available for your convenience:

  • Time Online Banking, Bill Pay and E-Statements
  • Time-24-Access, Telephone Banking
  • Debit Card with surcharge-free ATM Access at participating locations
  • We accept ACH debit and credit items
  • Overdraft Protection from Savings
  • Telephone & Wire Transfers
  • Direct Deposit – Payroll, Social Security, Pension
  • Automatic Payments and Transfers
  • Medallion Signature Guarantee and Notary Service
  • Friendly and experienced staff at all of our locations

For Lost or Stolen Debit Card…

During our business hours at Time Federal, please call 800-205-0914.  For non-business hours, please call 800-383-8000.


Always save for a rainy day! 

  • A passbook savings account can be opened with as little as $10.
  • Accounts with balances of $30 or more earn interest on a daily balance.
  • Withdrawals and deposits may be made at anytime, with some regulatory restrictions.
The Daily Balance Method of interest calculation is used for accounts that earn interest.  Interest rates will vary depending on the current rates being paid and balance in the account. Call or visit us for current rates and fee schedules.


An HSA is a great way to save for unexpected medical expenses with a high deductible health insurance policy.

  • Contributions to an HSA are 100% tax deductible (up to the legal limit)
  • Withdrawals to pay qualified medical expenses are tax free
  • Interest earnings accumulate tax deferred
  • When used to pay qualified medical expenses, the earnings are tax free
  • Unused money in HSA at year end is still yours to continue to grow, tax deferred

Do you qualify for a Health Savings Account?  Contact one our representatives to find out more details on HSAs.