Checking/Savings

CHECKING ACCOUNTS

Checking accounts are available to individuals, sole proprietors, businesses, non-profit organizations, clubs, estates and trusts.

Visa CheckCard is available to approved accounts and is a convenient and safe way to pay for purchases and obtain cash from ATM machines nationwide. We accept ACH debit and credit items.

Plan 1 – The Basic

  • No minimum balance
  • No interest paid
  • 25¢ per check after first 20 items

Plan 2 – The Premier

  • Earns interest
  • No charge for writing checks
  • $3.00 charge if balance goes below $500 during statement cycle

Plan 3 – The Investor

  • Earns interest
  • No minimum balance
  • Maintain $5,000.00 certificate of deposit or IRA (minimum 6 month term)
  • 25¢ per check after first 30 items

Plan 4 – The Golden

  • Earns interest
  • No minimum balance
  • No charge for writing checks
  • Receive social security or pension direct deposit

Business Checking Account

  • $5.00 charge if balance goes below $500 during statement cycle
  • 25¢ per check after first 30 items
  • 25¢ per deposit after first 10 deposits
  • Earns interest if eligible

Interest rates will vary depending on the current rates being paid and balance in the account. Call us for current rates.

The following features are also available for your convenience:

  • Time Online Banking
  • Time-24-Access, our 24 hour Telephone Banking
  • Debit Card – Make purchases anywhere the debit Visa CheckCard is accepted, plus make withdrawals at any ATM terminal
  • Overdraft Protection from Savings
  • Telephone Transfers
  • Direct Deposit – Payroll, Social Security, Pension
  • Automatic Payments and Transfers

PASSBOOK SAVINGS ACCOUNTS

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, compounded and paid by crediting the savings account at the end of the February quarters.

Withdrawals and deposits may be made at anytime, with some regulatory restrictions. The interest rate varies with the market conditions and the balance in the account and can change at any time.