Personal Banking Services

Checking & Savings

Effective July 1, 2012

Checking Accounts

RatesDisclosures

Check reorder available online

Value Checking

For the client who needs a checking account but only writes a few checks each month.

Regular Personal Checking

Provides unlimited transactions with a low minimum balance for bill paying and money management services.  Monthly maintenance and transaction fees are waived if direct deposit services are used.

NOW Checking*

Provides an interest bearing checking account with unlimited check writing privileges.

Money Market Checking*

Provides an interest paid at money market rates if you maintain a minimum daily balance of $5,000.00 or more.

Savings Accounts*

RatesDisclosures

Statement Savings Accounts*

For clients who need ready access to their savings dollars.

Minor Statement Savings Account*
(Uniform Gift to Minor Account)

For clients under 18 who want to begin a savings account.

Health Savings Accounts*

A Health Savings Account (HSA) is a health care spending account for anyone covered by high-deductible health insurance plan. As contributions to the account are made with pre-tax salary reductions, it's a great way to save for your health care deductible while taking advantage of tax savings.  And, both the employer and the employee may make contributions to the account.

Money Market Investment Account*§

For high balance checking or savings account clients who need liquidity in an investment that pays a competitive rate of interest.

Capital Investor*§

The Capital Investor account offers a high, competitive rate of interest, yet is fully insured, and you have immediate access to your funds, day or night. A minimum deposit of $1,000.00 will open this great investment opportunity.

All accounts have 24-hour access to Premier Online Banking

See Fee Schedule for miscellaneous charges

All checking accounts feature monthly statements

§You may make as many withdrawals as you wish by mail, in person or at an ATM. Federal regulations, however, limit pre-authorized, electronic or telephone withdrawals to six per month. Six of these may be checks, drafts or debit card transactions to a third party.

*Annual Percentage Yields (APY), Interest Rates and terms are: variable, subject to change, and available in the Investment Rates brochure.