Checking Accounts

• Choice Checking
• Regular Checking
• Student Checking
• InPrime Checking
• Interest Checking Plus
• Investor's Account
• Small Business Checking
• Commercial Checking
• Non-Profit Account
• Business Interest Checking Plus
• Business Investor Account

Savings Accounts

• Regular Savings
• Christmas Club
• Progressive Savings
• College Fund
• Independent Savings
• Business Regular Savings

Checking

Choice Checking – For customers with an average balance and high activity. Minimum opening deposit $100, free ATM or Debit card (upon credit approval), unlimited transactions, no check images with statement, no service charge, customer pays for checks.

Regular Checking – For customers with an average balance and high activity.Minimum opening deposit $100, service charge is $6 per month if balance drops below $500. Check images with statement, free ATM or Debit card (upon credit approval), customer pays for checks.

Student Checking – For full time students under age 25. Minimum opening deposit $50, unlimited transactions, no service charge, free ATM or Debit card (upon credit approval), customer pays for checks.

InPrime Checking – Interest bearing account for customers age 50 and over. Minimum opening deposit $100, monthly service charge is $5 if balance drops below $200, unlimited transactions, check images with statement, free ATM or Debit card (upon credit approval), first 200 club checks free.

Interest Checking – Tiered interest bearing account for customers with a high balance and high activity. Minimum opening deposit $1,000, monthly service charge is $10 if balance drops below $1,000, unlimited transactions, free ATM or Debit card (upon credit approval), check images with statement, customer pays for checks.

Investor's Account – Tiered interest bearing account for customers with a high balance and low activity. Minimum opening deposit $2,500, transactions limited to six per statement then $10 each in excess of six, no checks issued with account.

Small Business Checking – For small businesses with low activity operating as a Sole Proprietorship, Partnership or DBA, etc. Minimum opening deposit $100, service charge is $10 per month if balance drops below $500, unlimited transactions, free ATM or Debit card (upon credit approval), customer pays for checks.

Commercial Checking – For large business with high activity operating as a Corporation or LLC, etc. Minimum opening balance determined by number of transactions to be on account, service charge determined by $ amount and per transaction charges apply on analysis, interest is paid on balance at end of cycle, customer pays for checks. A federal tax I.D. is required for this account.

Non-Profit Account – For anyone operating with a not for profit tax I.D. number. Minimum opening deposit $100, no service charge, images of checks with statements, unlimited transactions, free checks.

Business Interest Checking Plus – Tiered interest bearing account limited to Sole Proprietorships and Non-Profit organizations. Minimum opening deposit $1,000, service charge of $10 per month if balance drops below $1,000, free ATM or Debit card (upon credit approval) (Sole Proprietorships only), unlimited transactions, customer pays for checks.

Business Investor Account – Tiered interest bearing account for businesses. Minimum opening deposit $2,500, no service charge, withdrawals limited to 6 per quarter then $10 each in excess of six, no checks issued with this account.

Savings

Regular Savings -Interest bearing account for customers trying to save on a regular basis. Minimum opening deposit $50, service charge is $5 per quarter if balance drops below $50, withdrawals limited to 6 per quarter then $5 each in excess of six, interest is forfeited if account is closed before the end of quarter.

Christmas Club Savings -Interest bearing account for customers trying to save for Christmas. Minimum opening deposit $10, matures on 10/31 of each year, $5,000 maximum per household, $25 penalty and forfeit of interest to close early.

Progressive Savings -Interest bearing account for customers saving on a regular basis for future expenses. Minimum opening deposit $10, you must set a maturity date from 90 days to 5 years, penalty of 3 months interest if withdrawn before maturity date.

College Fund -Interest bearing account for customer wanting to save for college expenses. Minimum opening deposit $100, matures June 1st of year of high school graduation, penalty of 6 months interest for early withdrawal.

Independent Savings -Interest bearing account for children age 0-18. Minimum opening deposit $10, no service charge, withdrawals limited to 6 per quarter then $5 each in excess of six.

Business Regular Savings – Interest bearing account for businesses. Minimum opening deposit $50, service charge is $5 per quarter if balance drops below $50, withdrawals limited to 6 per quarter then $5 each in excess of six, interest is forfeited if account is closed before end of quarter.

**Call a bank representative today for interest rates**