Free Checking

• No monthly service charge.
• No minimum balance required.
• Unlimited check writing.
• First order of checks free, or $5.00 off any other check style (1^st order only).

Special Account for Students

• No monthly service charge if bank safe-keeps checks (if customer wants canceled checks back, the account will be service charged as a regular checking account).
• Free club checks if bank safe-keeps checks.  First order of club checks free if customer wants canceled checks back.

Regular Checking I

• $5.00 service charge if ledger balance falls below $500.00
• For customers 60 and over, free Club checks and no service charge.
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Regular Checking II

• $5.00 service charge if ledger balance falls below $500.00
• For customers 60 and over, free Club checks and no service charge.
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NOW Account I

• Pays competitive rate of interest on entire balance – unlimited check writing privileges.
• Not eligible for incorporated businesses and “for profit” organizations.
• $8.00 service charge if balance falls below $1,000. (Fee waived for churches.)
• This account is perfect for the person who keeps a balance above the stated minimums, and has a desire to keep their money working.
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NOW Account II

• Pays competitive rate of interest on entire balance – unlimited check writing privileges.
• Not eligible for incorporated businesses and “for profit” organizations.
• $8.00 service charge if balance falls below $1,000. (Fee waived for churches.)
• This account is perfect for the person who keeps a balance above the stated minimums, and has a desire to keep their money working.
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Vision I

• Get your first order of Club checks free.
• Competitive rate of interest paid on balances over $500.
• $7.00 service charge if balance falls below $300.00 during the statement cycle.
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Vision II

• Free Club checks.
• No minimum balance requirement – earns interest on the entire balance.
• Service charge – Vision II: $6.50
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Senior I

• Get your first order of Club checks free.
• Competitive rate of interest paid on balances over $500.00
• $7.00 service charge if balance falls below $300.00 during the statement cycle.
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Senior II

• Free Club checks.
• No minimum balance requirement - earns interest on the entire balance.
• Service charge – Senior II: $5.50
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Senior Citizens/Disabled Individuals(over 15)

• No monthly service charge if bank safe-keeps checks (if customer wants canceled checks back, the account will be service charged as a regular checking account).
• Free club checks if bank safe-keeps checks.  First order of club checks free if customer wants canceled checks back.

Premier Plus Tiered Money Market Account

• $2,500 minimum opening deposit
• Account is tiered so you earn higher interest as your balance grows.
  
  

  Tier1: $  2,500 - $ 9,999.99 Tier2: $10,000 - $24,999.99 Tier3: $25,000 - $49,999.99 Tier4: $50,000 & up

  
  
• Interest is credited to the account each month.
• You may make six (6) transfers from your account each four (4) week or similar period. If by preauthorized or automatic transfer, or telephone (including data transmission) agreement, order or instruction. Three (3) of these transfers may be made by check, draft, debit card or similar order (including POS transactions), made by the depositor and payable to third parties. Transfers and withdrawals made in person, by messenger, by mail or at an ATM are unlimited.
• Convenient monthly summary statement.
• $15.00 Service Charge if balance falls below $2500.

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