| Regular personal or business checking accounts – All activity service charges are waived when you maintain a specified minimum balance.* Listed below are the charges when your balance drops below the minimum:
Special Checking Account There is a charge of .20 cents per check you write if your balance is below $300.00. There is no charge when you maintain a balance of $300.00 or more during your statement period.* *When you maintain a $1000.00 balance in a savings account, certificate of deposit, or money market account that is attached to your checking account the activity service charge is waived. NOW ACCOUNT (negotiable order of withdrawal) This account requires that you maintain a $500.00 minimum balance, offers unlimited check writing and allows you to earn interest. The account is subject to a $5.00 service charge if the balance falls below the minimum requirement.  Money Market Account This account requires a $1000.00 minimum balance and is restricted to 6 withdrawals a month. Three withdrawals can be made by check and three can be transfers to another account. If the balance drops below the minimum requirement a violation rate will apply. Golden Age Checking Account After reaching age 60, special services apply. There are no minimum balance requirements and no activity service charges to your account. We also offer a selection of printed checks for your use at no charge, and there is no charge for cashier’s checks. All of these options are designed to help you manage your money easier and less costly. Savings Accounts A flexible account that earns interest. Accounts with a balance of $500.00 or more are entitled to unlimited monthly withdrawals. Accounts with a balance of less than $500.00 are entitled to four withdrawals a month. You will be assessed a $1.00 service charge for each withdrawal in excess of four. Certificates of Deposit CD’s that offer a higher interest rate for funds left on deposit for a specified length of time. The minimum deposit is $500.00. There is a substantial penalty for early withdrawal. Interest earned is compounded daily. You can elect to receive the interest you’ve earned or you can have the interest added to your balance. There is a substantial penalty for early withdrawal. Our Certificates are automatically renewed at the interest rates in effect at maturity. IRA Accounts Individual Retirement Accounts allow eligible individuals to accumulate funds for retirement. You do not pay federal income tax on your earnings and/or investments until the funds are withdrawn.  Loan AccountsWe offer the following types of loans to cover all your personal or business needs:
IMPORTANT INFORMATION ABOUT PROCEDURES FOR OPENING A NEW ACCOUNT To help the government fight the funding of terrorism and money laundering activities, federal law requires all financial institutions to obtain, verify and record information that identifies each person who opens an account. What this means for you: When you open an account, we will ask for your name, address, date of birth and other information that will allow us to identify you. We may also ask to see your driver's license or other identifying documents.
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$300.00 or more – No Service Charge
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