DISCLOSURES AND COMPLIANCE
Personal Savings Accounts
1 The monthly service charge fee for Savings if account balance falls below $100 any month is $2 per month.
2 The monthly service charge fee for Money Market Account if account balance falls below $1,000 any month is $2 per month.
3 The Annual Percentage Yield assumes interest will remain on deposit until maturity. A withdrawal or any fees will reduce earnings.
4 Variable Interest Rate; interest rate is subject to change. Daily earned interest is based on the corresponding rate for the various tiers the daily balance falls within.
5 Interest begins to accrue on noncash items (for example checks) the business day you deposit the item(s).
6 Certificate of Deposit and IRA penalties for early withdrawal: A penalty equal to one half of the term's interest will be charged to your account.
7 Certificates of Deposit and IRAs earn a fixed interest rate and no additional deposits can be made until maturity.
8 Certificates of Deposit and IRAs will automatically renew at the current rate paid on the particular term. A previous “Special” will automatically renew at the current rate paid on the particular term; term’s current rate may no longer be “Special” rate. Grace periods: CD Term 3 months through 12 months – Grace period of 7 days will be granted; CD Term over 12 months - Grace period of 10 days will be granted.
For more information about FDIC insurance coverage of transaction accounts, visit www.fdic.gov.
Eligibility Requirements to Open Checking Account
- Minimum age requirement of 18 years old (you may elect to make this a minor account if you are at least 16 years old - if under 18, joint ownership required.)
- All stated rates are subject to change at any time. Please click here or contact us for current rates.
- Paper Statement Fee: A $5.00 monthly fee will be charged to receive paper statements. To avoid this fee, enroll in online electronic statements.
- Account Closure: If you close your account before the interest is credited, you will not receive the accrued interest. Interest begins to accrue on the business day you deposit noncash items.
- Please see one of our customer service representatives for complete disclosure and fee information regarding these accounts.
Schedule of Fees
| Type of Fee | Cost |
|---|
| Charge to Return Items* |
$29.00 per item |
| Overdraft/NSF Fee |
$29.00 per item |
| Stop Payment Fee |
$29.00 |
| Imaged Check Fee |
$3.00 per month |
| Returned Deposit Item Fee |
$8.00 per item |
| Early Closure Fee ‐ on checking accounts closed within 90 days of opening |
$29.00 |
| Overdraft Protection Transfer Fee |
$8.00 |
| Official Check Fee** |
$8.00 |
| Incoming Wire Fee |
$15.00 |
| Outgoing Wire Fee |
$30.00 |
| Dormant Checking Account Fee ‐ after one year of inactivity |
$2.00 per month |
| Dormant Savings Account Fee ‐ after 3 years of inactivity |
$2.00 per month |
| Paper Statement Fee ‐ Checking and Money Market accounts |
$5.00 per month |
* We may charge return item fees for each re‐presentation of a debit or item, which means multiple return item fees may be incurred if a debit or item is returned more than once.
** One free official check per customer, per calendar year.
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