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REGULAR
CHECKING ACCOUNTS
e-free
checking
- $50.00
minimum opening deposit
- Account
is not subject to monthly account maintenance or per item fees
- Unlimited
transactions without a minimum balance requirement
- Free MasterMoney
Debit card
- Free Online
Banking
- Free Bill
Pay up tp seven transactions
- $.50 per
transaction thereafter
- Free bank
by phone
- No monthly
paper statements will be mailed on this account
- Statements
will be available in Online Banking
Regular
Checking
- $50 minimum
opening deposit
- Unlimited
check writing
- No Monthly
Fee for balances $500 and over
$1 fee for balances $400 to $499
$2 fee for balances $300 to $399
$3 fee for balances $200 to $299
$4 fee for balances $100 to $199
$5 fee for balances less than $100
Bonus
Banking Account
- Unlimited
check writing
- No minimum
balance requirement
- Accidental
Death and Dismemberment Insurance
- Travelers
& Buyers Advantage
- Key Ring
& Credit Card Protection
- 50% discount
on Safe Deposit Box rental
- Membership
fee of $7 per month
- Available
for both regular and interest bearing accounts
- $2,500.00
Identity Theft Insurance
Bonus
Banking Gold Account
- All of
the regular Bonus Banking benefits plus:
- Increased
Insurance Coverage
- Discount
Eyewear
- Rx Advantage
Prescription Drug Program
- Medical
Emergency Data Card
- Auto Trip
Routing
- Membership
fee of $9 per month
- Available
for both regular and interest bearing accounts
- $2,500.00
Identity Theft Insurance
Senior
Citizens Account
- Available
for ages 55 and older
- Unlimited
check writing
- No minimum
balance requirement
- No monthly
service charge
- Free safety
paper checks
Student
Checking Account
- Available
to full time students
- Unlimited
check writing
- No minimum
balance requirement
- No monthly
service charge
INTEREST
BEARING CHECKING ACCOUNTS
NOW Account
- $500 minimum opening
deposit
- Unlimited check
writing
- Earns interest
at the current NOW account rates.
- Tiered rates -
earn more for higher balances
- Interest credited
to account monthly
- No monthly fee
for balances $500 or more
- $5 fee if balance
falls under $500 during month
Money Market Account
- $2,500 minimum
opening deposit
- Earns interest
at the current Money Market account rate.
- Interest credited
to account monthly
- Account activity
limited to 6 transactions per month 3 of which may be checks to third
parties
- No monthly fee
for balances $2500 or more
- $10 fee if monthly
average balance fall below $2,500
- $.25 fee per transaction
Super Money Market
Account
- $25,000 minimum
opening deposit
- Earns interest
at the current Super Money Market account rate.
- Interest credited
to account monthly
- Account activity
limited to 6 transactions per month 3 of which may be checks to third
parties
- No monthly fee
for balances $25,000 or more
- $10 fee if monthly
average balance fall below $25,000
- $.25 fee per transaction
SAVINGS
ACCOUNTS
Regular Savings
Account
- $50 minimum opening
balance
- Earns interest
at the current Regular Savings account rate.
- Interest credited
to account quarterly
- No minimum balance
charge for balances $100 or more
- $1 charge per quarter
if balance drops below $100
- 2 free withdrawals
per quarter
- $1 fee each additional
withdrawal during the quarter
Christmas Club
Account
- Make all 50 weekly
club payments and we will make a 51st payment for you
- Club plans are
available in amount of $1, $2, $5, $10, and $20
- Account matures
in October of each year and checks are issued at maturity
Kids' Savings
- No minimum opening
deposit
- Interest compounded
daily
- Quarterly statement
provided
- Six withdrawals
per quarter
- $1 service fee
for each withdrawal over six
- MasterMoney card
not available with this account
- Available to children
of the age of 18 and under
CDs/IRAs
Certificates of
Deposit
- $500 minimum opening
deposit
- Terms ranging from
7 days - 4 years
- Interest payment
by check, deposit to account, or compound
- Substantial penalties
for early withdrawal may apply*
Jumbo Certificates
of Deposit
- $100,000 minimum
opening deposit
- Terms ranging from
14 days - 1 year or more
- Interest payment
by check, deposit to account, or compound
- Substantial penalties
for early withdrawal may apply*
Individual Retirement
Accounts
- Traditional IRA
- Roth IRA
- Educational IRA
- Fixed or variable
rates available
- $500 minimum opening
deposit for fixed rate accounts
- $100 minimum opening
deposit for variable rate accounts
- Terms ranging from
1 year - 4 years
- Substantial penalties
for early withdrawal may apply*
LOANS
*For a current rate
quote call or e-mail our loan department
Consumer Loans
- New and Used Auto
Loans
- Boat and RV Loans
- Mobile Home Loans
- Home Improvement
Loans
- Debt Consolidation
Loans
- Overdraft Checking
Protection
Business Loans
- Agricultural Loans
- New and Used Equipment
Loans
- Construction and
Land Development
- Line of Credit
- Floorplan and Dealer
Loans
- SBA Loans Mortgage
Loans
Real Estate Loans
- Home Equity
- Construction
- Purchase or Refinance
- Fixed Rate and
Variable Rate Mortgage Loans
OTHER
SERVICES
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