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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
- 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
Advantage Checking
- Unlimited
check writing
- No minimum balance
requirement
- Credit File Monitoring
- Accidental Death
and Dismemberment Insurance
- Entertainment and
Travel discounts
- 50% discount on
Safe Deposit Box rental
- $5000 Indentity
Fraud Expense Reimbursement Coverage
- Cash back member
rewards
- Monthly fee of
$5.00
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
- Transaction limitations apply
- 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
- Transaction limitations apply
- 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
Jumbo Certificates
of Deposit
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
- Various maturities available
- Substantial penalties
for early withdrawal may apply
LOANS
For a current rate
quote call or e-mail our loan department
Consumer Loans
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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