CHECKING ACCOUNTS

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 РThe Investor:  Maintain a $5,000 CD or IRA (Minimum 6 Month Term)

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

Plan 4 РThe Golden:  Receive 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 – manage your accounts¬†when you have time!¬†
  • Time-24-Access, our¬†Telephone Banking available 24/7…anytime…anyplace! Just a phone call away – no internet required!
  • Visa CheckCard¬ģ (debit card) is available to approved accounts and is a convenient and safe way to pay for purchases and obtain cash¬†at ATMs nationwide. We accept ACH debit and credit items.
  • Overdraft Protection from Savings
  • Telephone & Wire Transfers
  • Direct Deposit ‚Äď Payroll, Social Security, Pension
  • Automatic Payments and Transfers
  • Medallion Signature Guarantee and Notary Service
  • ….and the friendliest, experienced staff¬†- ready to¬†personally¬†assist you at any of our locations!¬†

 

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.

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.