Regular DDA Checking Account ($100.00 minimum Deposit)
$1,000.00 and over; no service charge
$999 – 500; no service charge
$499 – 300; $6.00 service charge
$299 - $.00; $7.00 service charge
Business Commercial Checking Accounts ($100.00 Minimum Deposit)
Same charges as the Regular DDA Checking Account. Accounts may be charged by analysis rather than a fixed service fee.
Choice Checking
Monthly Fee - $5.00
Choice 50 Checking
Monthly Fee - $3.00
Super Now (Interest earning Checking Accounts, $2,000.00 Minimum Deposit)
Tiered Rates
$7.50 charge if daily balance drops below $2,000.00 at anytime during the statement cycle. No per item charge is in effect for this account. Daily balance method used to calculate interest and is paid on a monthly basis.
If any checking account is inactive for 3 months with a balance less than $100.00, there will be a Dormant Charge of $2.00 per month.
Handling fee of $1.00 per check for charge back of return checks
Cash Items – If item is charged back to customer, charge $1.00, if item is picked up by customer, charge $2.50
Overdraft Charge - $29.00 per check Insufficient Funds - $29.00 per check
Overdraft Privilege Fee (if eligible for up to $700.00) - $29.00
After 10 calendar days a $5.00 per day charge until overdraft is paid.
Student Checking Account: ($100.00 to open this account and be a full time student. No monthly fee. If account is inactive for 3 months with balance less that $100.00 there will be a $1.00 dormant charge per month.
Regular Savings: ($100.00 Minimum Deposit, interest compounded daily & paid quarterly)
Three withdrawals per quarter at no charge a $7.50 charge will be applied for each additional withdrawal. Daily balance method is used to calculate interest. If your balance falls under $10.00 you will not receive any interest. Active accounts receive quarterly statements. No service charge to a minor.
Money Market Savings(MMDA): ($2,500.00 Min. Deposit, interest compounded daily & paid monthly)
Three withdrawals per month at no charge a $7.50 charge will be applied for each additional withdrawal. Active accounts receive monthly statements. If any savings account is inactive for 3 months with a balance less than $10.00, there will be a Dormant Charge of $2.00 per month
* Transfers from a money market to another account or to third parties by pre-authorized, automatic, or telephone transfers are limited to six per month with no more than three by check, draft, or similar order to third parties.
IRA ($100.00 Minimum Deposit, No annual fee charged)
Simple interest compounded quarterly (daily balance method used). Accounts receive statements once a year.
Christmas club ($10.00 Minimum Deposit, No fees apply to this account)
Interest compounded daily & paid at maturity (daily balance method used). Checks will be mailed in November.
Certificate of Deposit ($500.00 Minimum Deposit)
7 days to 60 months maturity. Simple interest figured on daily ledger balance. Interest paid monthly, quarterly, semi-annually or annually.
Jumbo CD rates quoted by a Bank Officer
Other Fees and Services
Fax Copies – Incoming $2.50, Outgoing - $7.50
Check Printing Fees – Pricing may vary
Notary Services – No charge to our customers
Travelers Checks –$1.00 per hundred.
Bank by Mail – Special envelopes provided for this convenient service
Night Depository - After hour service available at all locations
Lock Bags - $15.00
Zipper Bags - $2.00
Transcript Statement - (Copy of Customer’s statement) $2.50 fee
Photocopies - $.25 per copy
Collection Items - $7.50 charge unless bank makes the decision to send an item off for collection
Safe Deposit Boxes - $15.00 & up per year depending upon box size.
MasterCard/Visa – Annual Fee
Direct Deposit – No Charge
Replace Loan Coupon Book - $5.00 Charge
Automatic Transfers within Bank – No Charge
Withholding Tax Deposit – No Charge
US Savings Bonds – Available for purchase at any of our locations
Stop payment of a check - $15.00 (No charge for lost or stolen checks)
Cashiers Check - $3.00 per check, $5.00 non customers (not our policy to sell to a non-customer)
Research Fees - $10.00 per hour (min. 1 hour charge of $10.00) plus $.25 per copy of each statement
Bank Wire – Incoming $10.00, outgoing $20.00 (not our policy to do for non-customer)
Charges for non customers to count coins – 10% of the total amount of coins with a minimum charge of $5.00. We will not charge customers, schools, churches, clubs or civic groups or children who bring their piggy banks in.
ATM fees –You may withdraw up to $510.00 from an ATM using your ATM or Debit Card per business day. If used at any ATM other than MoneyPass Network a $1.00 charge will be applied. Purchase limit for ATM cards is $1,000.00 per business day and Purchase limit for Debit Card is $1,500.00 per business day. There will be a fee of $2.00 for a replacement card.
