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Regular Checking Account

Minimum balance to open the account: You must deposit $100.00 to open this account.

Minimum balance to avoid imposition of fees: A maintenance fee of $10.00 and a debit item fee of $.20 for each debit transaction (withdrawal, check paid, automatic transfer or payment out of this account) will be imposed every statement cycle if the balance in the account falls below $600.00 any day of the cycle.


Basic Checking Account

Minimum Balance to open the account: You must deposit $100.00 to open this account.

Fees: A monthly maintenance fee of $8.00 will be charged each month.

Additional features: Unlimited check writing. Checks will be truncated at the bank. Each customer will receive a detailed transaction statement. Duplicate checks are required for this account.


Senior Citizens Account
(You must be 55 years of age or older to open this account.)

Minimum balance to open the account: You must deposit $100.00 to open this account.

Minimum balance to avoid imposition of fees: A maintenance fee of $2.00 and a debit item fee of $.15 for each debit transaction (withdrawal, check paid, automatic transfer or payment out of this account) will be imposed every statement cycle if the balance in the account falls below $100.00 any day of the cycle.

The maintenance and debit item fees will be waived if the account holder has a retirement benefit or disability benefit direct deposit to this account.


Regular Savings Account

Rate Information: Your interest rate and annual percentage yield may change.

Frequency of rate changes: We may change the interest rate on your account daily.

Determination of rate: At our discretion, we may change the interest rate on your account.

Compounding and crediting frequency: Interest will be compounded every day. Interest will be credited to your account every quarter.

Minimum balance to open the account: You must deposit $100.00 to open this account, and you must maintain a minimum balance of $100.00 for the account to remain open.

Daily balance computation method: We use the daily balance method to calculate the interest on your account. This method applies a daily periodic rate to the principal in the account each day.

Accrual of interest on noncash deposits: Interest begins to accrue on the first business day after the banking day you deposit noncash items (for example, checks).

Transaction limitations: Transfers from a regular savings account to another account or to third parties by preauthorized, automatic, or telephone transfer are limited to six per statement cycle with no transfers by check, draft, debit card or similar order to third parties.

Fees: A debit item fee of $2.00 will be charged for each debit transaction in excess of three during a quarter on the day of the excessive transaction(s). An additional fee of $3.00 will be charged at the end of each quarter for each debit transaction in excess of six.


Now Account

Rate information: Your interest rate and annual percentage yield may change.

Frequency of rate changes: We may change the interest rate on your account daily.

Determination of rate: At our discretion, we may change the interest rate on your account.

Compounding and crediting frequency: Interest will be compounded every month. Interest will be credited to your account every month.

Minimum balance to open the account: You must deposit $1,000.00 to open this account.

Minimum balance to avoid imposition of fees: A maintenance fee of $10.00 and a debit item fee of $.20 for each debit transaction (withdrawal, check paid, automatic transfer or payment out of this account) will be imposed if the balance in the account falls below $1,000.00 any day for that statement cycle.

Daily balance computation method: We use the daily balance method to calculate the interest on your account. This method applies a daily periodic rate to the principal in the account each day.

Accrual of interest on noncash deposits: Interest begins to accrue on the first business day after the banking day you deposit noncash items (for example, checks).


Now II Account

Rate information: Your interest rate and annual percentage yield may change.

Frequency of rate changes: We may change the interest rate on your account daily.

Determination of rate: At our discretion, we may change the interest rate on your account.

Compounding and crediting frequency: Interest will be compounded every month. Interest will be credited to your account every month.

Minimum balance to open the account: Your must deposit $2,500.00 to open this account.

Minimum balance to avoid imposition of fees: A maintenance fee of $10.00 and a debit item fee of $.20 for each debit transaction (withdrawal, check paid, automatic transfer or payment out of this account) will be imposed if the balance in the account falls below $2,500.00 any day for that statement cycle.

Daily balance computation method: We use the daily balance method to calculate the interest on your account. This method applies a daily periodic rate to the principal in the account each day.

Accrual of interest on noncash deposits: Interest begins to accrue on the first business day after the banking day you deposit noncash items (for example, checks).


Hi Fi Account

Rate information: Your interest rate and annual percentage yield may change.

Frequency of rate changes: We may change the interest rate on your account daily.

Determination of rate: At our discretion, we may change the interest rate on your account.

Compounding and crediting frequency: Interest will be compounded every month. Interest will be credited to your account every month.

Minimum balance to open the account: You must deposit $2,500.00 to open this account.

Minimum balance to avoid imposition of fees: A maintenance fee of $10.00 will be imposed every statement cycle if the balance in the account falls below $2,500.00 any day of the cycle.

Daily balance computation method: We use the daily balance method to calculate the interest on your account. This method applies a daily periodic rate to the principal in the account each day.

Accrual of interest on noncash deposits: Interest begins to accrue on the first business day after the banking day you deposit noncash items (for example, checks).

Transaction limitations: Transfers from a Hi Fi account to another account or to third parties by preauthorized, automatic, or telephone transfer or by check, draft, or similar order to third parties are limited to six per statement cycle.

Fees: A debit item fee of $10.00 will be charged for each debit transaction in excess of six during a statement cycle.


Super Hi Fi Account

Rate information: Your interest rate and annual percentage yield may change.

Frequency of rate changes: We may change the interest rate on your account daily.

Determination of rate: At our discretion, we may change the interest rate on your account.

Compounding and crediting frequency: Interest will be compounded every month. Interest will be credited to your account every month.

Minimum balance to open the account: You must deposit $15,000.00 to open this account.

Minimum balance to avoid imposition of fees: A maintenance fee of $10.00 will be imposed every statement cycle if the balance in the account falls below $15,000.00 any day of the cycle.

Daily balance computation method: We use the daily balance method to calculate the interest on your account. This method applies a daily periodic rate to the principal in the account each day.

Accrual of interest on noncash deposits: Interest begins to accrue on the first business day after the banking day you deposit noncash items (for example, checks).

Transaction limitations: Transfers from a Hi Fi account to another account or to third parties by preauthorized, automatic, or telephone transfer or by check, draft, or similar order to third parties are limited to six per statement cycle.

Fees: A debit item fee of $10.00 will be charged for each debit transaction in excess of six during a statement cycle.


Small Business Account

Minimum Balance to Open: The minimum balance required to open this account is $100.00.

Deposit(s) Limitations: You may make an unlimited number of deposit(s) into your account.

Fees and Charges: The following fees and charges apply to this account:
Maintenace Fee: A maintenace fee of $12.00 will be charged each statement cycle.

Additional Terms: The following additional terms apply to this account:
The 1st 150 items free per statement cycle.
An overage charge for over 150 items will be $0.20 per item.
Account activity will be reviewed periodically. Activity exceeded 150 items on a regular basis may cause your account to be converted to a Business Account Analysis account.


Account Analysis

Minimum Balance to Open: The minimum balance required to open this account is $100.00.

Deposit(s) Limitations: You may make an unlimited number of deposit(s) into your account.

Fees and Charges: The following fees and charges apply to this account:
Maintenace Fee: A maintenace fee of $11.00 will be charged each statement cycle
Chargeback Fee: $10.00 each
Credit Fee: $0.45 each
Debit Fee: $0.18 each
Item Deposited: $0.05 each
Rolled Coin Fee: $0.08 per roll
Currency Fee: $1.00 per strap
Uncollected Balance Fee: 4%

Additional Terms: The following additional terms apply to this account:
Earnings Credit: This account features an earnings credit which is applied to reduce or eliminate fees on this account. If the earnings credit exceeds the fees for any period, you will be assessed no fees but you will not be paid, carry forward or otherwise receive credit for any excess earnings credit.
The earnings credit will be calculated by applying the periodic earnings credit rate to the average collected balance in the account for the period. The periodic earnings credit rate may change every month. The average collected balance is calculated by adding the principal in the account for each day of the period and dividing by the number of days in the period. The period we use is the monthly statement cycle.

Common Features

The following fees may be assessed against your account and the following transaction limitations, if any, apply to your account.

ATM card replacement $7.50
An Inactivity Fee will be assessed if iPay (our online bill payment program) service has not been utilized for 90 days $5.00
Check printing (fee depends on style of check ordered)
Cashier’s checks $3.00 (Customers), $10.00 (Non Customers)
Telephone notification (on returned items) $3.00
The categories of transactions for which an overdraft fee may be imposed are those by any of the following means: check, in-person withdrawal, ATM withdrawal, or other electronic means.  
Overdraft (each overdraft paid) $30.00
Non sufficient funds (NSF)-each $30.00
Returned checks or chargebacks $10.00
Account activity printout $3.00
Special statement cutoff $5.00
Account research $7.50 per 15 minutes--$7.50 minimum
Reproduce “full” statement $15.00
Account balancing assistance no charge first time (Subsequent assistance $7.50 per quarter-hour)
Balance inquiry three free calls per statement cycle, $1.50 per call thereafter
Stop payments (each) $25.00
Return ACH item charge $25.00
Establish IRA account $25.00
Account closed within 30 days of opening $10.00
Outgoing wire transfers Customers $20.00
Outgoing International wire transfers Customers $32.00
Incoming wire transfers Customers $20.00
Incoming International wire transfers Customers $32.00
Check cashing fee (non customer) $7.50 or 1% of amount for checks over $750.00
Copy of research items $3.00 each
Lock bags $25.00 each
Zipper bags $5.00 each
Coins rolled/counted Under $50 Free
Coins rolled/counted $51 - $100 $5.00
Coins rolled/counted $101 and above $10.00
Collection drafts: Customer $25.00
Safe deposit box: 3” X 10” $30.00
Safe deposit box: 4” X 10” $40.00
Safe deposit box: 5” X 10” $50.00
Safe deposit box: 10” X 10” $70.00
$100.00 refundable safe deposit fee. Refund given back when box is closed and both keys are turned in. Customer is responsible for the cost of drilling box.  
Garnishment/Levies/Liens $25.00

We may require not less than 7 days’ notice in writing before each withdrawal from an interest-bearing account other than a time deposit, or from any other savings account as defined by Regulation D. Withdrawals from a time account prior to maturity or prior to any notice period may be restricted and may be subject to penalty. See your notice of penalty for early withdrawal.