• Basic Checking

    No minimum balance required and No Monthly Service Charge

    • Minimum opening deposit is $100.00
    • Unlimited check writing
    • Free Check Card, subject to approval
    • Checks will be truncated (check images will not be included in statements)
    • Copies of cancelled checks can be provided for $0.50 per item
    • Other charges that apply to this account include: Insufficient or Overdraft Check Fee-$20.00/item; Stop Payment Fee-$20.00; Research Fee-$15.00/hr plus $0.75/page; Account Balancing Assistance-$15.00/hr; Post Dated Check Fee-$20.00; Dormant Account Fee-$5.00/mo.
  • Premier Checking

    Monthly service charge waived for individuals 18 years old or younger and 65 years old or older

    • Minimum opening deposit is $100.00
    • Monthly service charge of $5.00 (if balance falls below $500.00 or average balance below $800.00)
    • Unlimited check writing
    • Free Check Card, subject to approval
    • Check images included in statement
    • Checking accounts with no monthly service charge are available to individual customers age sixty-five and over, 18 or younger, and to non-profit organizations
    • Other charges that apply to this account include: Insufficient or Overdraft Check Fee-$20.00/item; Stop Payment Fee-$20.00; Research Fee-$15.00/hr plus $0.75/page; Account Balancing Assistance-$15.00/hr; Post Dated Check Fee-$20.00; Dormant Account Fee-$5.00/mo.
  • Interest Checking

    Interest-bearing checking accounts are available to individuals and non-profit corporations, associations or government bodies

    • Minimum opening deposit is $1000.00
    • Free Check Card, subject to approval
    • Unlimited check writing
    • Free Check Card, subject to approval
    • Check images included in statement
    • Pays interest on all account balances

    We reserve the right at any time to require not less than 7 days notice in writing before any withdrawal is made from an interest-bearing account

    • Minimum opening deposit is $1,000.00
    • Monthly service charge of $10.00 (if average balance falls below $1,000.00)
    • Interest on this accounts is computed on the average daily balance and is compounded and credited to the account at the end of the monthly statement cycle. The interest rate is subject to change at the bank's discretion. Please contact us for the current Annual Percentage Yield and rate
    • Other charges that apply to this account include: Insufficient or Overdraft Check Fee-$20.00/item; Stop Payment Fee-$20.00; Research Fee-$15.00/hr plus $0.75/page; Account Balancing Assistance-$15.00/hr; Post Dated Check Fee-$20.00; Dormant Account Fee-$5.00/mo
  • Savings Account

    Savings accounts are available to individuals and businesses and minimum opening deposit waived for individuals 18 years old or younger

    • Minimum opening deposit is $100.00
    • Monthly service charge of $2.00 (if balance falls below $10.00)
    • Pays interest on all account balances
    • Minimum opening deposit waived for individuals 18 years old or younger
    • You may only make 6 preauthorized transfers from a savings account each statement cycle.
    • We reserve the right at any time to require not less than 7 days notice in writing before any withdrawal is made from an interest-bearing account
    • Other charges that apply to this account include: Account Research Fee-$15.00/hr plus $0.75/page; Account Balancing Assistance-$15.00/hr; Dormant Account Fee-$5.00/mo
    • Interest on savings accounts is computed on the daily balance, compounded daily and credited monthly. The interest rate is subject to change at the bank's discretion. Please contact us for the current Annual Percentage Yield and rate for this account
  • Money Market Accounts

    Money Market Deposit Accounts (MMDA) are available to individuals and businesses

    • A minimum $2,500.00 deposit is required to open a MMDA account.
    • Monthly service charge of $10.00 (if average balance falls below $2,500.00)
    • Pays interest on all account balances

    You may only make 6 preauthorized transfers from a savings account each statement cycle

    • We reserve the right at any time to require not less than 7 days notice in writing before any withdrawal is made from an interest-bearing account
    • Other charges that apply to this account include: Insufficient or Overdraft Check Fee-$20.00/item; Stop Payment Fee-$20.00; Research Fee-$15.00/hr plus $0.75/page; Account Balancing Assistance-$15.00/hr; Post Dated Check Fee-$20.00; Dormant Account Fee-$5.00/mo.
    • Interest on MMDA accounts is computed on the average daily balance, compounded and credited monthly. The interest rate is subject to change at the bank's discretion. Please contact us for the current Annual Percentage Yield and rate for this account
  • Loans

    Loans are available for individual, business, agricultural, or real estate purposes

    • Our loan staff can also assist you with cash flow preparation, household budget preparation, debt structuring alternatives, and more
    • Interest rates and terms vary
    • Please contact one of our experienced loan officers for details
  • IRA and SEP Accounts

    Individual Retirement Accounts (IRA) and (SEP) accounts are available to individuals

    • A minimum deposit of $100.00 is required to open an IRA or SEP
    • Additional deposits of $50.00 or more may be made at any time
    • Variable-rate account interest rate is subject to change at our discretion
    • Fixed-rate interest rate is set at opening and remains in effect until maturity date
    • Interest is calculated on the daily balance, compounded daily and paid semi-annually
    • Account is subject to substantial penalty for early withdrawal
  • Certificates of Deposit

    Certificates of deposit (CD) are available to individuals and businesses

    • A minimum deposit of $1,000.00 is required to purchase a CD.
    • Certificates are available with various rates and terms.
    • Interest may be paid out or compounded.
    • Please contact our New Accounts Department for more information.
    • Account is subject to substantial penalty for early withdrawal.
  • Safe Deposit Boxes

    We offer Safe Deposit Boxes in varying sizes and prices.

    DescriptionFee
    Small $10.00
    Square $15.00
    3 1/2 x 11 $18.00
    5 x 11 $20.00
    9 x 9 $35.00
    Box Drilling Fee $100.00
    Lost Box Key $50.00
  • Common Fees

    The following fees are common across all accounts.

    Fee DescriptionFee
    NSF Items Paid (per item) $20.00
    NSF Items Returned (per item) $20.00
    Dormant Account Fee $5.00
    Garnishment/Levy Fee $20.00
    Account Balancing/Hour (1 hour minimum) $15.00
    Account Research/Hour (1 hour minimum) $15.00
    Account Research per page $0.75
    Printout Statement $1.00
    CD Rom of Statement - Monthly $5.00
    Stop Payment Fee $20.00
    Check Printing (depends on check style) Varies
    Copies $0.25/per page
    Fax - Incoming $2.50
    Fax - Outgoing $5.00 + $1.00/page
    Check Cashing Fee (non-customer) 1% or $5.00 minimum
    Cashier's Checks $3.00
    Money Orders - Maximum amount of $5,000.00 $2.00
    Night Deposit Bag $10.00 per bag
    Wires - Outgoing $15.00
    Wires - Incoming PUPID $15.00
    Collections - Outgoing $5.00
    Collections - Sight Draft $10.00
    Collections - Leases $15.00
    Escrow - Set-up $200.00 per party
    Escrow - Monthly Fee $5.00 per party
    Non-Customer Notary $5.00
    Gift Card $5.95 per card
    Change PIN (Check Card/ATM) $5.00
    Replacement of Check Card $10.00
    ATM Balance Inquiries* $ 1.00
    ATM Cash W/D* $1.00
    *additional fees may be charged by ATM owner


NOTICE: NOTICE: All funds in a "noninterest-bearing transaction account" are insured fully by the Federal Deposit Insurance Corporation from December 31, 2010 through December 31, 2012. This temporary unlimited coverage is in addition to, and separate from, the coverage of at least $250,000 available to depositors under the FDICs general deposit insurance rules. The term "non-interest bearing transaction account" includes a traditional checking account or demand deposit account on which the insured depository institution pays no interest. It also includes Interest on Lawyers Trust Accounts ("IOLTAs"). It does not include other accounts, such as traditional checking or demand deposit accounts that may earn interest, NOW accounts and money-market deposit accounts. For more information about temporary FDIC insurance coverage of transaction accounts, visit www.fdic.gov.