Federal and state banking laws govern much of our relationship with you; in particular, laws concerning negotiable instruments, deposit accounts and how we treat activity of these accounts. Complete disclosures of our fees and charges are available at the bank.

The FDIC Improvement Act of 1991 contained within it the Truth in Savings Act. The purpose of this act is to enable consumers to make informed decisions about deposit accounts in depository institutions.

Below is a condensed description of accounts we have to offer. For a complete list of services and charges, please see one of our new accounts representatives at the bank. Someone there will be happy to help you.

SUPER NOW CHECKING (Corporations are not eligible)
• $2,000 minimum to open
• Unlimited check writing and deposit privileges
• No monthly service charge if $2,000 balance is maintained
• Debit MasterCard and ATM card available
• 24-hour ATM access
• 24-hour telephone access to check balances, cleared checks, and deposits
• Interest credited monthly

ADVANTANGE CLUB CHECKING
• $100 minimum to open
• Unlimited check writing and deposit privileges
• Debit MasterCard and ATM card available
• 24-hour ATM access
• 24-hour telephone access to check balances, cleared checks, and deposits
• Free printed checks and cashiers checks
• Service charge calculated on Accidental Death & Dismemberments Insurance plan selected at time of opening
• Many other discounts & benefits are available to Advantage Club members

SENIOR CHECKING (Age 65 and above)
• $100 minimum to open
• Unlimited check writing and deposit privileges
• Debit MasterCard and ATM card availability
• 24-hour ATM access
• 24-hour telephone access to check balances, cleared checks, and deposits
• No Service Charge

STUDENT CHECKING
• $100 minimum to open
• Unlimited check writing and deposit privileges
• No monthly service charge
• Debit MasterCard and ATM card availability
• 24-hour ATM access
• 24-hour telephone access to check balances, cleared checks, and deposits
• Must be 18 years old or have an adult joint owner on the account

COMMERCIAL CHECKING
• $100 minimum to open
• Unlimited check writing and deposit privileges
• $6 per month service charge
• Debit MasterCard and ATM card availability
• 24-hour ATM access
• 24-hour telephone access to check balances, cleared checks, and deposits

MONEY MARKET CHECKING
• $2,500 minimum to open
• Earns variable rate of interest
• Interest credited monthly
• Up to six transfers or withdrawals each statement cycle, up to three of which may be to third parties. $10 per withdraw/transfer of over the limit of six per month.
• Unlimited deposits

CHRISTMAS CLUB
• $3 minimum to open
• A check will be issued and mailed to you to do your shopping with.