Special Checking

A personal checking account for those unable to maintain a large average balance and who will not have many checks or withdrawals from the account.

Limitations: You must deposit $50.00 to open this account.

Account Fees: There is a monthly charge of $1.50 plus $.30 for each check or withdrawal made on this account. No minimum balance is required.

Regular Checking

A personal checking account for those who have less than 30 checks or withdrawals

Account Fees: An average balance of $100.00 in the account eliminates an $8.00 monthly service charge. There is also a $.15 charge for every withdrawal over 30. A $1,500.00 balance in a Savings Account or Time Certificate of Deposit will also eliminate the $8.00 monthly service charge. The average daily balance is calculated by adding the principal in the account for each day of the period and dividing that figure by the number of days in the period.

Banclub

A personal checking account for those who write several checks per month and do not want to have to maintain a minimum average balance in their account. This account has unlimited withdrawals, personalized checks, Credit Card Protection, Emergency Cash Advances, Preferred rates on Installment Loans, Key Ring Protection, a Medical Emergency Data Card and much more.

Limitations: You must deposit $50.00 to open this account.

Account Fees: There is a monthly service charge of between $6.00 and $8.00 on this account. No minimum balance is required with an unlimited number of withdrawals. This account also includes Accidental Death Insurance. The amount of this coverage will determine the amount of the monthly service charge.

Banclub 50 Plus

This account is for those customers age 50 or more. With this account you receive bonus rates on Certificates of Deposit, $100,000.00 Common Carrier Accidental Death Insurance, free photocopies, direct deposit of Social Security, bank-by-mail, free notary service and more.

Limitations: You must deposit $50.00 to open this account.

Account Fees: An average balance of $100.00 in the account eliminates the $6.00 monthly service charge. The average daily balance is calculated by adding the principal in the account for each day of the period and dividing that figure by the number of days in the period.

Statement Savings Account

This is an account for those who would like to earn interest without having to maintain a large average balance and without making very many withdrawals.

Rate Information: This account is an interest bearing account. The interest rate and annual percentage yield are included in the Rate Chart. The interest rate and annual percentage yield may change. At our discretion, we may change the interest rate on the account. We any change the interest rate on the account every week. The interest rate on the account will never increase by more than 1.00% each rate change. The interest rate on the account will never decrease by more than 1.00% each rate change. The interest rate will never be less than .25%. The interest rate will never be more than 10.00% Interest begins to accrue no later than the business day we receive credit for the deposit of noncash items (for example, checks). Interest will be compounded daily and will be credited to the account quarterly. If you close the account before interest is credited you will not receive the accrued interest.

Balance Information: We use the daily balance method to calculate the interest on the account. This method applies a daily periodic rate to the principal in the account each day.

Limitations: You must deposit $50.00 to open this account. You may make six (6) transfers from your account each four (4) week or similar period.

Account Fees: In order to avoid a $3.00 Service Charge per quarter, you will want to maintain an average balance of $50.00 in this account. You will also want to limit the number of withdrawals on this account to six (6) per quarter as there is a $1.00 fee for each withdrawal over six (6). For minors, there is no minimum average balance. The average daily balance is calculated by adding the principal in the account for each day of the period and dividing that figure by the number of days in the period.

SuperNOW

This is an Interest Bearing Checking Account for those able to maintain an average balance of $500.00 and have less than 20 checks or withdrawals per month.

Rate Information: This account is an interest bearing account. The interest rate and annual percentage yield are included in the Rate Chart. The interest rate and annual percentage yield may change. At our discretion, we may change the interest rate on the account. We may change the interest rate on the account every week. The interest rate on the account will never increase by more than 1.00% each rate change. The interest rate on the account will never decrease by more than 1.00% each rate change. The interest rate will never be less than .25%. The interest rate will never be more than 10.00%. Interest begins to accrue no later than the business day we receive credit for the deposit of noncash items (for example, checks). Interest will be compounded daily and will be credited to the account monthly. If you close the account before interest is credited you will not receive the accrued interest.

Balance Information: We use the daily balance method to calculate the interest on the account. This method applies a daily periodic rate to the principal in the account each day.

Limitations: You must deposit $50.00 to open this account.

Account Fees: A minimum balance of $500.00 will eliminate the monthly service charge of $8.00 and there is a $.20 fee for each withdrawal over 20.

Money Market Deposit Account

This account is for those who would like to earn interest on their money while also having easy access to the funds and is able to maintain an average balance of $2,500.00 in the account.

Rate Information: This account is an interest bearing account. The interest rate and annual percentage yield will depend upon the daily balance in the account as shown on the Rate Chart. The interest rate and annual percentage yield may change. At our discretion, we may change the interest rate on the account. We may change the interest rate on the account every week. The interest rate on the account will never increase by more than 1.00% each rate change. The interest rate on the account will never decrease by more than 1.00% each rate change. The interest rate will never be less than .25%. The interest will never be more than 10.00%. Interest begins to accrue no later than the business day we receive credit for the deposit of noncash items (for example, checks). Interest will be compounded daily and will be credited to the account monthly. If you close the account before interest is credited you will not receive the accrued interest.

Balance Information: We use the daily balance method to calculate the interest on the account. This method applies a daily periodic rate to the principal in the account each day.

Limitations: You must deposit $50.00 to open this account. You may make six (6) transfers from your account each four (4) week or similar period, but only three (3) may be payments by check to third party.

Account Fees: In order to avoid an $8.00 service charge per month, you will want to maintain an average balance of $2,500.00 in this account. There are only 6 withdrawals allowed on this account per month and anymore will be assessed a $10.00 fee for each withdrawal. Each withdrawal must be for a minimum if $500.00. There is a charge of $2.00 for withdrawals made below the minimum balance. The average daily balance is calculated by adding the principal in the account for each day of the period and dividing that figure by the number of days in the period. The average daily balance is calculated by adding the principal in the account for each day of the period and dividing that figure by the number of days in the period.