PERSONAL BANKING

Personal Checking

Personal Savings

Certificates of Deposit

 

Personal Savings

Account Type Minimum Opening Deposit Interest Monthly Minimum Balance Fees # Withdrawals per cycle
Regular Savings $100 Interest is compounded monthly and paid monthly $5 if average daily balance falls below $100

$10 per item fee after 6 withdrawals

Christmas Club $20 Paid at Maturity $10 per item withdrawal fee

 

No interest if closed prior to maturity

 

IRA $1000 Simple interest is credited to your account on the last business day of the calendar year NONE NONE
Hometown Smart Student Savings $0 Interest is compounded monthly and paid monthly NONE $10 per item fee after 6 withdrawals

 

The daily balance method is used to calculate interest on your account. Interest begins to accrue on the day we receive credit for the deposit of non-cash items (checks). Accounts closed within 90 days of opening will be assessed a $25.00 fee and loss of accrued interest will result on your account.

 

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