- Checking
- Savings
- Certificates of Deposit
- Individual Retirement Accounts
- Health Savings Accounts
- ATM/Debit Cards
- FREE - no monthly maintenance fee
- FREE - online banking and bill payments
- FREE - first order of checks
- FREE - savings account, no minimum balance required
- FREE - Mastermoney Debit Card
- Direct Deposit
- 24 Hour ATM access
- 24 Hour Telephone banking available
- Unlimited transactions
- No minimum balance
- Checks held in safekeeping
- $5.00 monthly maintenance fee
- Maintenance fee waived with direct deposit of payroll or pension; or mortgage loan, commercial loan, or qualifying balances in savings, IRA or certificates.
- Unlimited transactions
- Minimum balance of $500 required
- Checks held in safekeeping
- Maintenance fee of $7.50 if balance falls below required minimum
- Interest paid on average monthly balance (see current rates)
- Unlimited transactions
- Minimum balance of $500 required
- Cancelled checks are returned with monthly statement
- Maintenance fee of $10.00 if balance falls below required minimum
- Interest paid on average monthly balance (see current rates)
- Free checking for those age 55 and older
- No minimum balance required, no monthly maintenance fee
- Unlimited transactions
- 1 free money order daily
- Checks are held in safekeeping
- Bank furnished printed checks in wallet or duplicate
- Available for personal use only ( not for business accounts )
- Limited to one Plus account per household
- Unlimited transactions
- $2,500 minimum balance required
- Bank furnished printed checks in wallet or duplicate
- Checks are returned with monthly statement
- Interest paid on average monthly balance (at current rate)
- No fee American Express Travelers Cheques (excluding checks for two)
- Free photo copies (up to 10 per month)
- No fee cashier checks (limit of 2 per month)
- Free one year rental on small Safe Deposit Box
- Minimum balance requirement of $2,500 to avoid a $25.00 maintenance fee.
- Interest paid monthly at a tiered rate (see current rates)
- Checks are held in safekeeping
- Limitations apply for withdrawals
- Monthly statements are mailed the first of each month.
- Interest is not paid if account is closed before interest is capitalized.
Overdraft Protection Line of Credit
- Available on all checking accounts to qualified applicants
- Minimum balance of $100 to open and to avoid a monthly maintenance fee of $5.00
- Minimum balance of $300 required to earn interest (see current rates)
- Interest paid quarterly
- Quarterly savings statements provided.
- No minimum balance required
- No monthly maintenance fee if under 18 years of age
- Interest paid quarterly (at current rates)
- Quarterly savings statements provided.
- $2,500 minimum balance required
- Interest paid monthly (see current rates)
- Monthly statement provided
- Balances under $2,500 receive Regular Savings rate
- No minimum to open
- Unlimited deposits, any amount allowed
- Competitive rate of interest paid annually
- Available in 90 day, 180 day, 12 month, 18 month, 24 month, 30 month, 36 month and 48 month maturities. (see current rates)
- Special certificate of deposit (CD) rates and terms offered, call local branch for current specials.
INDIVIDUAL RETIREMENT ACCOUNTS (IRA'S)
We offer a 2 year variable rate IRA, tied to Wall Street Prime. Rate is 2.75% under the current published rate of interest. Interest is compounded quarterly and rate is variable quarterly. An IRA can be opened with a small amount and deposits may be made up to the maximum allowable by IRS regulations. (see current rates)
We offer Traditional, Roth, Simple and SEP accounts, as well as Coverdell Education Savings Accounts. Talk to one of our IRA specialists for details. Call Nancy or Geri at 906-265-5131, or Kathy at (906)482-5131.
We offer Health Savings Accounts (HSA's) for those with high deductible insurance programs. We offer a competitive product with very few fees. Call Nancy or Geri at 906-265-5131 for more information.
Mastermoney Debit/ATM cards available for most accounts. Member FDIC |
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