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HomePersonal Banking

Personal Banking

Accounts Features	Free Checking	Regular Checking	NOW Account	Money Market Demand	Money Market Plus	Gold Plus	**** Student Checking
Free Online Banking	YES	YES	YES	YES	YES	YES	YES
Bill Payment Available	YES	YES	YES	YES	YES	YES	YES
Minimum Balance	NO	$700	$2000	$2500	$5000	$500	NO
Minimum Deposit	$50	$50	$2000	$2500	$5000	$500	NO
Overdraft Protection	$400	$700	$700	$900	$900	$900	NO
Free Check Imaging	NO	YES	YES	YES	YES	YES	YES
ATM / Debit Card Offered	VISA DEBIT	VISA DEBIT	VISA DEBIT	VISA DEBIT	VISA DEBIT	VISA DEBIT	ATM
Opportunity to Earn Interest ***	NO	NO	YES	YES	YES	YES	NO
Transaction Limitations	NO	NO	NO	YES	YES	NO	NO
Direct Deposit Available	YES	YES	YES	YES	YES	YES	YES

* Customer must also maintain $5000.00 balance in savings or certificate of deposit account.
*** Please call for current rates.
**** A student is defined as a person enrolled as a full time student in grades K-12; taking 12 hours or more as an undergraduate; or 9 hours or more as a graduate student. This program is available for qualified students until their 23rd birthday.

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Regular Savings

Initial deposit of $50.00.
Please call one of our four locations for the current interest rate.

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Golden Passbook Savings

Initial deposit of $50.00.
Please call one of our four locations for the current interest rate.

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Christmas Club

Don't let Christmas expenses sneak up on you. Open a Christmas Club account at any amount and still earn interest. You get the check by the 1st of November.

Any amount can open a Christmas Club.
Last time a deposit is credited for the year is the second week of October.
Check is mailed the last week of October.
Interest rate is the same as the regular savings rate.

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Money Market Deposit Account (MMDA)

Initial deposit of $2,500.
You must maintain an average daily balance of $2,500 to obtain the disclosed annual percentage yield.
The interest rate currently in effect may be obtained by asking for the current deposit rate disclosure.
The interest rate and annual percentage yield on your account may change. We may change the interest rate on your account at our discretion.
Up to 6 checks per month and will be charged for check orders according to type of check.

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Money Market Deposit Account Plus (MMDA+)

Initial deposit of $5,000.
You must maintain an average daily balance of $5000 to obtain the disclosed annual percentage yield.
The interest rate currently in effect may be obtained by asking for the current deposit rate disclosure.
The interest rate and annual percentage yield on your account may change. We may change the interest rate on your account at our discretion.
You will be allowed to use up to 3 checks per month and will be charged for check orders on this account according to the type of checks ordered.

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Temporary Liquidity Guarantee Program

Our institution has chosen NOT to participate in the FDIC's Transaction Account Guarantee Program. Our customers with non-interest bearing transaction accounts will continue to be insured through December 31,2013 for up to $250,000 under the FDIC's general deposit insurance rules. Not one penny of insured deposits has ever been lost by a customer of a federally insured bank. Only federally insured institutions can make this statement, "backed by the full faith and credit of the United States government."

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