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REGULAR |
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. | |||||