Services

Checking Accounts

Prime Rewards (Our Premier Checking Account)
Cancelled Checks Returned With Monthly Statement
Wallet/Safety Paper Checks FREE After First Order
Month End Statement Cycle
Available For All Entity Types
   -Business Accounts (Non-Interest Bearing)
   -Non-Business Accounts
        -Tiered Interest Rates
Minimum Balance to Open $50.00
Minimum Balance to Earn Interest $1500
Minimum Balance to Avoid $15.00 Monthly Service Charge $1500


Basic Checking Accounts
Imaged Copy of Check Returned With Monthly Statement
Available For All Entity Types
   -Business Accounts (Non-Interest Bearing)
   -Non-Business Accounts
        -Competitive Interest Rate
        -Interest Compounded Daily
        -Interest Paid on the Average Balance for the Month
Minimum Balance to Open $50.00
Minimum Balance to Earn Interest $600
Minimum Balance to Avoid $7.50 Monthly Service Charge $600
Minimum Balance to Avoid $1.00 Monthly Imaging Fee $1000


Free Checking Accounts
No Monthly Service Charge
No Minimum Balance Requirements
No Transaction Charges
Minimum Balance to Open $50.00
Personal Non-Business Account Holders Only


Business Organization Accounts
Minimum Balance to Open $500
Minimum Balance to Avoid $15.00 Monthly Service Charge $2000
Commercial Account Analysis
   -Non-truncated over-the-counter withdrawl charge
   -Non-truncated inclearing withdraw charge
   -Truncated over-the-counter withdrawl
   -Truncated inclearing withdrawl
   -Automatic Clearing House (ACH) withdrawl
   -Automatic Clearing House (ACH) deposit
   -Deposit fee for cash, coin, etc (per deposit)
   -Deposit fee for checks etc.


Non-Profit Organizations, Senior Citizens, and Full Time Students
Monthly Minimum Service Charge is Waived
Minimum Balance to Earn Interest is Not Required


Common Features of All Checking Accounts
Internet Banking Option
   -24/7 Access to Account Balance and Activity
Account Reconciliation Service (1st Time Free)
   -$10 Per Hour; Minimum of $10
Account Research
   -$10 Per Hour; Minimum of $10 ATM or Debit Card Upon Qualification
Copies of Cancelled Checks
   -One(1) Free Per Month; $2.50 Each Additional


Savings Accounts
Minimum Balance toi Avoid $3.00 Monthly Charge $300
Non-Profit Organization, Senior Citizens, Minor Aged Children & Full Time Students
Monthly Minimum Service Charge is Waived


Loans
Mortgage Loans (Fixed or Variable)
Residential
Farm
Commerial
Home Equity Line or Credit
Commerial/Farm Loans (Prime Rate Based)
Secured Term Loans
Revolving Lines of Credit
Consumer Loans (Secured or Unsecured)
Overdraft Line of Credit for your Checking Account
Investment Loans--Secured by your Savings Account or CD
Life and Disability Insurance Available on Loans







Other Services
Account Status Printout/Teller $0.50
ATM or Debit Card Replacement $5.00
Cash Advanced-Credit Card $5.00

Cashier's Checks
   -Customer $2.00
   -Non Customer $5.00

Certified Check $5.00
Check Cashing per Check-Qualified Non-Customer$5.00
Coin Counting Service-Customers Only
   -Money Deposited No Charge
   -Money is not Deposited
      Greater of 10% of Counted Money or $5.00

Dormant Checking/Saving Account Monthly Fee $0.75

Fax Machine
   -Send-Fist Copy$5.00
   -Send-Each Additional$1.00
   -Receive-First Copy$1.00
   -Receive-Each Additional Copy $0.50

Night Deposit Bag-Per Bag$20.00
Night Deposit Key$2.00
Night Deposit ServiceNo Charge
Night Deposit Bag-Replaced or Lost$20.00

Notary Public-Non Customer$1.00
Notary Public-Customer No Charge

NSF-Non Sufficent Fund Items-Per Item$20.00

Paid Overdraft Fee $20.00
   -Daily Maximum NSF/OD Fee$60.00

Phone Transfers-Per Transfer$1.00

Photo Copies-Per Page$0.25

Regular Travelers Cheques
   -Customer No Charge
   -Double Signature Travelers Cheques 1.00%

Return ACH/Checks Deposited or Cashed $5.00

Special Account Statement$5.00
Stop Payment Fee $10.00
Sweep Transfer Fee $5.00
TT&L Deposit No Charge
U.S. Savings Bonds-Sales and Redeem No Charge

Wire Transfer
   -Outgoing $15.00
   -Incoming $12.50


Save Deposit Boxes
Sizes 3"X5" Through 10"X11" Subject to Availability
Contact Us for Specific Rental Rates
One Lost Key $10.00
Vault Drilling $75.00
Automatic Charge to your Account Available at No Charge





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