REGULAR
New Account Requirements

  Regular | Commercial

REGULAR CHECKING ACCOUNT
   
Minimum Opening Balance $50.00*
   
Required Minimum Balance Low Balance Charge
Over $1,000.00 $0.00
$500.00- $999.99 $12.00
$0.00- $499.99 $15.00
 
*If account is opened with the minimum opening balance, a low balance  
charge of $15.00 will be assessed.
 
 
SAVINGS ACCOUNT**
   
Minimum Opening Balance $50.00*
Required Minimum Balance Low Balance Charge
Over $500.00 $0.00
$0.00- $499.99 $5.00
 
Interest is paid quarterly. You are allowed one withdrawal per
month. An excess withdrawal fee of  $3.00 will be charged after
the first withdrawal. *If account is opened with minimum opening
opening balance, a low balance charge of $5.00 will be assessed.
 
 
NOW ACCOUNT
   
Minimum Opening Balance $1,000.00
Required Minimum Balance Low Balance Charge
Over $2,500.00 $0.00
$0.00- $2,499.99 $17.50
 
Unlimited check writing privilege.
NOW Accounts are only available to individuals, sole-proprietorship, 
non-profit organizations and governmental units.
*If account is opened with the minimum opening balance, a low balance  
charge of $17.50 will be assessed.
 
 
CERTIFICATE OF DEPOSIT
Minimum Opening Balance
$1,000.00
 
INDIVIDUAL RETIREMENT ACCOUNT
$500.00
We may require not less than 7 days’ notice in writing before each withdrawal 
from an interest-bearing account other than a time deposit or from any other savings
account as defined by Regulation D. Withdrawals from a time account prior to
maturity or prior to any notice period my be restricted and may be subject to penalty.
 
 
MONEY MARKET SAVINGS**
   
Minimum Opening Balance $1,000.00
Required Minimum Balance Low Balance Charge
Over $2,500.00 $0.00
$0.00- $2,499.99 $15.00
 
Transfers from a Money Market Savings account to another account
or to third parties by preauthorized, automatic, telephone or computer
transfer or by check, draft or similar order to third parties are limited 
to six per month. After the six transaction a Regulation D Violation 
Fee of $3.00 will be charged. An excess withdrawal fee of $3.00 will
be charged for each additional withdrawal.
*If account is opened with the minimum opening balance, a low balance
charge of $15.00 will be assessed.
 
 
SENIOR CITIZEN ACCOUNT**
   
Required Minimum Balance Low Balance Charge
Must be 62 or Older $0.00
 
**One Regular Checking Account or Savings Account. 
Minimum opening balance requirements will apply.
(See Savings Account details)
 
 
STUDENT ACCOUNT**
   
Required Minimum Balance Low Balance Charge
Must be under the age of 22 $0.00
 
**Allowed One Regular Checking Account or Savings Account. 
Minimum opening balance requirements will apply.  Proof of school 
enrollment must be provided annually by the end of each August.
(See Savings Account details)
 
 
MINOR ACCOUNT**
   
Required Minimum Balance Low Balance Charge
Must be under the age of 15 $0.00
 
**Allowed One Savings Account. (See Savings Account details)
See Fee Schedule for other services and fees.