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Accounts and Services

 

Current Fees and Service Charges became effective 1/1/07

CHECKING ACCOUNTS

REGULAR CHECKING
A minimum opening balance of $100.00 is required for all checking accounts.

The monthly maintenance fee on this account varies according to the daily minimum balance maintained in your account.
0-$199 minimum balance................$8.00
$200-$499 minimum balance............$6.00
$500-over minimum balance........no charge
$800-over average balance..........no charge

A fee of $0.10 per debit item will be charged on items in excess of 30 during a monthly statement cycle.

SPECIAL CHECKING
A monthly maintenance fee to $4.00 and a $0.20 per debit transaction fee will be charged on this account.

NOW
A maintenance fee of $8.00 will be imposed if the minimum balance falls below $1000 on any day during the statement period. This account pays market rate interest. A fee of $0.10 per debit item will be charged on items in excess of 30 during a statement cycle.

COMMERCIAL CHECKING
A service charge of $6.00 per month and $0.10 per debit item will be imposed on this account. A credit of $0.10 for every $100 in minimum daily balance maintained will apply against the total service charge.

CLUB ACCOUNT

A maintenance fee of $9.00 per monthly statement period will be assessed if the minimum daily balance falls below $1000.
Free Personalized “club” checks, regular visa travelers checks and cashiers checks, $10,000 accidental death insurance and no per check charge.

STUDENT CHECKING

There is no monthly maintenance fee on this account. There is a $0.10 per item fee on each debit item in excess of 30 during a statement period. This account may be opened by full time students 14 to 23 years of age.

SENIOR CITIZEN

There is no monthly maintenance fee on this account. This account may be opened by anyone 55 years of age or older.

MONEY MARKET INVESTMENT ACCOUNT

This account may be opened with a minimum $1000 deposit. A maintenance fee of $8.00 will be imposed if the minimum daily balance falls below $1000 during the statement period. By law, this account is restricted to six withdrawals per statement period with no more than three checks or drafts to third parties. This account pays market rate interest.

SAVINGS ACCOUNTS

REGULAR SAVINGS

A maintenance fee of $6.00 will be imposed every statement period if the minimum balance falls below $100 any day of the cycle. The fee will not apply if you maintain an average of $300 during the statement period. A per item fee of $1.00 will be charged each withdrawal in excess of six made during a quarter unless you maintain an average daily balance of $1000. This account pays market rate interest quarterly. There is no maintenance fee for accounts opened for minor children, up to age 14 years.

CHRISTMAS CLUB

A maintenance fee of $6.00 will be imposed if the balance is less than $100 on the last day of the statement period. A $6.00 fee will be charged for closing this account prior to the maturity of the Christmas Club Plan. No transfers or withdrawals are permitted on this account prior to maturity. This account pays market rate interest at the end of a 50 week period.

OTHER SERVICES

SAFE DEPOSIT BOXES

We offer safe deposit boxes at four of our branches in various shapes and sizes and at corresponding rental amounts.

OVERDRAFT TRANSFER

Automatic transfers from you savings account to cover overdrawn checks will be made in increments of $100. A fee of $1.00 will be charged for each daily transfer.



Accounts and Services
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