INDIVIDUAL
New Account Requirements

   Individual | Commercial | Fee Schedule

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
 
 
 
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.
 
 
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.
 
 
INDIVIDUAL RETIREMENT ACCOUNT
   
Minimum Opening Balance $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 may 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. An excess withdrawal fee of $3.00 will be charged for each additional withdrawal.
 
 
SENIOR CITIZEN ACCOUNT
   
Must be 62 or Older
Allowed One Regular Checking Account or Savings Account
Minimum opening balance $50.00
No monthly low balance charge
   
(See Savings Account details)
 
 
STUDENT ACCOUNT
   
Must be under the age of 22
Allowed One Regular Checking Account or Savings Account
Minimum opening balance $50.00
Proof of school enrollment must be provided annually by the end of each August
   
(See Savings Account details)
 
 
MINOR ACCOUNT
   
Must be under the age of 15
Allowed One Savings Account
Minimum opening balance $50.00
No monthly low balance charge
   
 
 
CERTIFICATE OF DEPOSIT
   
Minimum Opening Balance $1,000.00
(See Savings Account details)