Checking Accounts  

Basic Checking
Free ATM/Visa Debit Card
Minimum Opening Balance:	$50
Minimum Balance to Avoid Maintenance Service Charge:	$0
Service Charge-Maintenance:	$0
Service Charge-Activity Charge:	15 cents per check over 15 in a statement cycle
Interest:	None
Monthly Statement without Imaged Checks

Regular Checking
Free ATM/Visa Debit Card
Minimum Opening Balance:	$100
Minimum Balance to Avoid Maintenance Service Charge:	$500
Service Charge-Maintenance:	$10 per month
Interest:	None
Unlimited Check Writing
Monthly Statement with Imaged Checks

Student Checking
Free ATM/Visa Debit Card
Minimum Opening Balance:	$50
Minimum Balance to Avoid Maintenance Service Charge:	$0
Service Charge-Maintenance:	$0
Service Charge-Activity Charge:	15 cents per check over 20 in a statement cycle
Interest:	none
Monthly Statement with Imaged Checks

Senior Checking
Must be 55 Years of Age or Better
Free ATM/Visa Debit Card
Minimum Opening Balance:	$0
Minimum Balance to Avoid Maintenance Service Charge:	$0 service charge with the direct deposit of a social security, retirement, or pension plan check.
Service Charge-Maintenance:	$5 per month without direct deposit
Service Charge-Activity Charge:	$0
Interest:	Tiered market rates paid monthly on daily collected balance. Interest rate increases as balance increases.
Unlimited Check Writing
First order of Logo Checks Free
Monthly Statement with Imaged Checks

Interest Checking

Interest Checking
Free ATM/Visa Debit Card
Minimum Opening Balance:	$1500
Minimum Balance to Avoid Maintenance Service Charge:	$1500
Service Charge-Maintenance:	$10 per month
Interest:	Tiered market rates paid monthly on daily collected balance. Interest rate increases as balance increases.
Unlimited Check Writing
Monthly Statement with Imaged Checks

Money Market Checking
Minimum Opening Balance:	$2500
Minimum Balance to Avoid Maintenance Service Charge:	$2500
Service Charge-Maintenance:	$15 per month
Excess Activity Fee:	$10 per debit in excess of 6 or $10 per third party withdrawal in excess of 3 per statement cycle
Interest:	Tiered market rates paid monthly on daily collected balance. Interest rate increases as balance increases.
Limited Check Writing
Monthly Statement with Imaged Checks

Savings

Savings
Free ATM Card
Minimum Opening Balance:	$300
Minimum Balance to Avoid Maintenance Service Charge:	$300
Service Charge-Maintenance:	$5 per quarter
Excess Activity Fee:	$5 per withdrawal in excess of 6 per quarter (does not apply to ATM withdrawals)
Interest:	Tiered market rates paid quarterly on daily collected balance. Interest rate increases as balance increases.

Loan Products

Residential Real Estate

• In house or secondary market financing
  
• Competitive fixed or variable interest rates
  
• Flexible terms and conditions
  
• Convenient home equity loans and loans of credit
  
• Home improvement loans
  
  
  

Residential Construction

• Flexible terms and conditions
  
• Competitive interest rates
  
• Convenient construction to permanent financing all in one
  
  
  

Personal

• Secured and Unsecured
  
• Flexible terms