Checking Accounts 

Basic Checking
Free ATM/Visa Debit Card
Opening Balance:	$50
Balance to Avoid Service Charge:	$0
Service Charge:	$0
Per Check Charge:	15 cents per check over 15 in a statement cycle
Interest:	None
Monthly Statement w/out Canceled Checks

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

Student Checking
Free ATM Card
Opening Balance:	$50
Balance to Avoid Service Charge:	$0
Service Charge:	$0
Per Check Charge:	15 cents per check over 20 in a statement cycle
Interest:	none
Monthly Statement with Canceled Checks

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

Interest Checking

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

Money Market Checking
Opening Balance:	$2500
Balance to Avoid Service Charge:	$2500
Service Charge:	$15 per month
Excess Activity Charge:	$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 average collected balance. Interest rate increases as balance increases.
Limited Check Writing
Monthly Statement with Canceled Checks

Savings

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

Loan Products

Automobiles, Boats, and Recreational Vehicles

• New or used financing available
  
• Flexible terms
  
  
  

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