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Product and Services
Personal Accounts
Business Accounts
Certificates of Deposit
PERSONAL ACCOUNTS FREE CHECKING A great account if you value simplicity. Minimum to Open - $25.00 Interest - None Check Writing Limit - Unlimited SHAZAM Chek - Free – For those who qualify Additional Features: NOW CHECKING A great account if you wish to earn interest on your money. Minimum to Open - $500.00 Minimum Balance to Avoid Fees - $500.00 average daily balance Charges if Below Minimum - $5.00 per statement cycle + $0.15 per debit Interest - Variable Rate paid Monthly Rate does not increase with higher balances Check Writing Limit - Unlimited SHAZAM Chek - Free – For those who qualify Additional Features: SUPER NOW CHECKING The best choice if you keep a high balance, want to earn interest, AND want full access to your funds. Minimum to Open - $10,000.00 Minimum Balance to Avoid Fees - $10,000.00 minimum daily balance Charges if Below Minimum - $10.00 per statement cycle & No interest earned for the day(s) the balance is below $10,000.00 Interest - Variable Rate paid Monthly: Rate increases with higher balances from $ 10,000.00 to $49,999.99 $ 50,000.00 to $99,999.99 $100,000.00 and above Check Writing Limit - Unlimited SHAZAM Chek - Free – For those who qualify Additional Features: PASSBOOK SAVINGS A simple, traditional place to save. Minimum to Open - $10.00 Minimum Balance to Avoid Fees - None Charges if Below Minimum - Account cannot be overdrawn Interest - Variable Rate paid Semi-Annually Transaction Limitations - Withdrawls or transfers from this account to another account, are limited to six per month with no transfers by check, draft, or similar payment order to third parties. Rate increases with higher balances from $0.00 to $499.99 $500.00 to $2,499.99 $2,500.00 and above Additional Features: MONEY MARKET A great choice if you keep a high balance, want to earn interest, AND want occasional access to your funds. Minimum to Open - $2,500.00 Minimum Balance to Avoid Fees - None Charges if Below Minimum - None Interest - Variable Rate paid Monthly Rate increases with higher balances from $2,500.00 to $49,999.99 $50,000.00 to $99,999.99 $100,000.00 to $299,999.99 Above $300,000.00 Check Writing Limit - Limited to six pre-authorized debits per month Three debits by check SHAZAM Chek - N/A Additional Features: BUSINESS ACCOUNTS BUSINESS ANALYSIS CHECKING A standard business account with Earnings Credit. Minimum to Open - None Minimum Balance to Avoid Fees - Based Upon Earnings Credit Analysis Charges if Below Minimum - Based Upon Earnings Credit Analysis (Contact bank for an analysis typical for your business) Interest - None – Earnings Credit Applies Check Writing Limit - Unlimited SHAZAM Chek - None Business Credit Card Available Additional Features: Other Charges: BUSINESS PASSBOOK SAVINGS A simple, traditional place to save. Minimum to Open - $10.00 Minimum Balance to Avoid Fees - None Charges if Below Minimum - None – Account cannot be overdrawn. Interest - Variable Rate paid Semi-Annually Transaction Limitations - Withdrawls or transfers from this account to another account, are limited to six per month with no transfers by check, draft, or similar payment order to third parties. Rate increases with higher balances from: $0.00 to $499.99 $500.00 to $2,499.99 $2,500.00 and above Additional Features: BUSINESS MONEY MARKET A great choice if you want to keep a high balance, earn interest, AND make few transactions. Minimum to Open - $2,500.00 Minimum Balance to Avoid Fees - None Charges if Below Minimum - None Interest - Variable Rate paid Monthly Rate increases with higher balances from: $2,500.00 to $24,999.99 $25,000.00 to $49,999.99 $50,000.00 to $99,999.99 Above $100,000.00 Check Writing Limit - Limited to six pre-authorized debits per month Three debits by check SHAZAM Chek - N/A Additional Features: CERTIFICATES OF DEPOSIT Various terms and features are available. Contact the bank to get current rates and specials. 24 HOUR Telephone Banking Toll Free: 866-338-2097 Local: 338-2097 *Prior activation required. Call the bank TODAY to have your accounts activated! MISCELLANEOUS FEES AND CHARGES Check Printing: Fee depends on style of check ordered Mailing Charge for New Checks: $4.50 per box; pick up at the bank for free Copies: $0.10 per page Fax Fees: $2.00 per fax Travel Card: $6.00 per card Gift Card: $4.00 per card Personal Money Order Fees: $2.00 Cashiers Checks: $3.00 Notary Service: Free to all bank customers Domestic Wire Fees: $20.00 Outgoing and $5.00 Incoming International Wire Fees: $45.00 Outgoing and $25.00 Incoming Debit Card Replacement: $7.50 Debit Card Personal Identification Number (PIN) Re-Issue: $2.00 Stop Payment Request: $10.00 per request ATM/Debit Card POS Transactions: No charge Overdraft Charge (Fee applies to overdrafts created by check, in-person withdrawal, ATM withdrawal, or other electronic means as applicable: $10.00 per item Return Item Charge (per item): $10.00 Deposited Checks Returned Unpaid (per item): $2.00 Account Activity Printout: $1.00 per page Account Research and Balancing Assistance Fees: $25 per hour Copy of Statement or images: $1.00 per page Statement Mailing Charge: $1.00 Garnishments & Levies: $25.00 per transaction Currency Conversion Fee: .20% of amount transacted Cross-Border Transaction Fee: .80% of amount transacted Safe Deposit Box- All Locations (Contents Not Insured by FDIC) |
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