Personal Banking Services

 

 

 

Effective April 1, 2008



   

 

Free Regular Checking 

Free Regular Checking.
Minimum balance to open is $100.00.
No Service charge.

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Bonus Banking (Club Account). 

Minimum to open $100.00
No charge for wallet "Regal" checks.
Unlimited check writing.
No fee for travelers checks.
Cashier Checks and Money Orders $1.00.
No fee for Notary Public service.
Basic Plan $9.00 per month; 10,000 accidental death insurance
Optional Plan $11.00 per month; $20,000 accidental death insurance
Family Plan $13.00 per month; $30,000 accidental death
    insurance, $2,500.00 coverage for each dependent child.

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Classic Checking 

For customers 50 or older.
Minimum to open $100.00.
No service charge.
No minimum balance.
No charge for wallet "Regal" checks.
No fee for Travelers Checks, Cashiers Checks, and Money Orders.
4 free Money Orders or Cashiers Checks per Month.
No charge for Notary Public service.

 

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N.O.W. Account

Minimum deposit to open $100.00.
No service charge unless balance falls below $1,000.00.
No interest paid if average daily balance falls below $1,000.00.
Rate 0.5%  APY   0.5%.
$10.00 Service charge if balance falls below $1000.00.
If account is closed before interest is credited, no interest will be paid.

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Regular Savings

$100.00 required to open.
No service charge or minimum balance for minors.
3 withdrawals per month no charge, $1.00 for each additional withdrawal.
Interest accrues for date of deposit and is paid quarterly on daily balance.
Rate 1.98%  APY 2.00% .

$5.00 Service charge if daily balance drops below $100.00.
No interest paid if closed between quarters.
Quarters end: March, June, September, and December.
Semiannual statements.

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Christmas Club Account

$5 minimum deposit. 
No withdrawals.
Interest accrues from date of deposit.
Check mailed middle of November for the balance plus interest earned.
Rate 2.00%  APY  2.00%

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Safe Deposit Box

      Size              Fee per year

      3 x 5 ............$25.00
      3 x 10 ..........$35.00
      5 x 10...........$50.00
     10 x 10..........$75.00

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Insured Money Market Deposit Accounts


Minimum balance to open is $2,500.00.
Immediate access to funds.
Unlimited deposits and over the counter withdrawals.
Up to six transfers at no charge, three of these may be checks.
Additional transactions $2.00.
Interest accrues from date of deposit.
Interest is paid on average daily balance, and is credited monthly.
If account is closed before interest is credited, no interest will be paid.
If balance drops below $2,500 there will be a $12 service charge.
Interest rate on this account is tied to wall Street prime.
2,500 and less than 10,000
10,0000 and less than  50,000
50,000 and above		 ......Variable Rate
......Variable Rate
......Variable Rate

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