Personal Banking

Free Checking

  • $100.00 minimum opening deposit
  • Precise monthly statement (without check imaging)
  • Unlimited check writing and deposits
  • No monthly service fee
  • No monthly debit card fee
  • Free telephone banking
  • 24 hour world wide ATM access

First Choice Checking

  • $100.00 minimum opening deposit
  • Unlimited check writing
  • No service fee if daily balance of $600.00 is maintained. If the account falls below $600.00, a $6.00 service fee will be charged for that month.
  • Precise monthly statement with imaged reproductions of canceled checks
  • No monthly debit card fee

Check “10”

  • $100.00 minimum opening deposit
  • First 10 withdrawals of statement cycle free. A service fee of $.50 for each additional withdrawal over 10 during that cycle.
  • Monthly service fee $2.00
  • Precise monthly statement with imaged reproduction of canceled checks
  • No monthly debit card fee

Prestige First Checking

  • For people 50 years of age or older
  • $100.00 minimum opening deposit
  • Unlimited check writing
  • No monthly service fee
  • Free personalized Bank printed checks
  • 1 year free rental of safety deposit box
  • No charge for travelers checks, cashiers checks, notary services and overdraft protection fee when linked to another account
  • No monthly debit card fee
  • If a $500.00 balance is maintained, account will earn interest
  • Precise monthly statements with imaged reproduction of canceled checks
  • No monthly debit card fee

NOW Checking Account

  • $100.00 minimum opening deposit
  • Earn interest on all money in account regardless of balance
  • No monthly service fee as long as account maintains $1000.00 balance. $10.00 service fee per statement cycle if account falls below $1000.00.
  • Unlimited check writing
  • Precise monthly statement with imaged reproduction of canceled checks
  • No monthly debit card fee

Money Market Savings Account

  • $2500.00 minimum opening deposit
  • Earn competitive market interest rate
  • Limited to no more than 6 transfers and/or withdrawals per statement cycle. There will be a charge of $12.50 for each debit over 6.
  • Unlimited transfers:
    1) Transfers to repay loans at same institution
    2) Repayment of a loan created
    3) Withdrawals or transfers to another account of depositor when made by mail, messenger, ATM, in person, or by telephone (provided a check is mailed to the depositor.)
  • No service fee as long as account maintains $2500.00 balance. $10.00 service fee per statement cycle if account falls below $2500.00.
  • Precise quarterly statement

Savings Account

  • $100.00 minimum opening deposit
  • Rate of interest compounded daily and paid quarterly. No interest is earned if balance falls below $100.
  • Limit of 3 withdrawals a quarter, $1.00 per transaction over the limit
  • No service fee unless account falls below $100. Below $100.00 there will be a $2.00 quarterly service fee.

Christmas Club Savings Account

  • $20.00 minimum opening deposit
  • No withdrawals allowed on account
  • Interest earned on all money
  • Checks mailed in mid-November

Kid’s Club Savings Account

  • For kids 12 and under
  • $20.00 minimum opening deposit
  • No minimum balance to earn interest
  • Kids get a special gift for opening account

Individual Retirement Account (IRA)

  • Competitive interest rates
  • FDIC insured investment
  • $1000.00 minimum opening deposit

Certificates of Deposit

  • Choose from short term and long term CDs ranging from 3 months to 48 months
  • Competitive interest rates
  • Rate of return assured for term of CD
  • $1000.00 minimum opening deposit
  • Penalty for early withdrawal

ATM/Debit Cards

  • InterCept ATM and DEBIT CARDS
  • No fees charged at any  InterCept ATM with a  logo


 

 

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Contact your local bank and ask to speak to a Customer Service Representative.