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Personal Savings Accounts

Personal Savings Account

Requirement: Minimum opening deposit: $300.00

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) may be made by 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.

Account Fees: $3 will be imposed for the month when the balance falls below $300 any day of the month. $5 will be charged for each debit in excess of three (3) during a month.

Rate Information: These accounts are interest bearing. The interest rate and annual percentage yield may change. Click Here for detailed rate information and balance calculation information.

Minor Savings Account

Great for those under the age of 18, who want to start a good habit of saving.

Requirement: Minimum opening deposit: $150.00

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) may be made by 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.

Account Fees: $2 will be imposed for the month when the balance falls below $150 any day of the month. $5 will be charged for each debit in excess of three (3) during a month.

Rate Information: These accounts are interest bearing. The interest rate and annual percentage yield may change.

Detailed Information

Rate Information: This account is an interest bearing account. The interest rate and annual percentage yield may change. At our discretion, we may change the interest rate on the account daily. Interest begins to accrue no later than the business day we receive credit for the deposit of non-cash items (for example, checks). Interest will be compounded monthly and will be credited to the account monthly.

Balance Information: We use the average daily balance method to calculate the fees charged and the interest earned on your account. This method applies a periodic rate to the average daily balance in the account for the period. The average daily balance is calculated by adding the principal in the account for each day of the period and dividing that figure by the number of days in the period.

Additional Information

USA Patriot Act and our Customer Identification Program requires identification for all New Accounts.

Fair and Accurate Credit Transaction Act ("Fact ACT Identity Theft Program")
Additional documentation may be required to detect, prevent and mitigate identity theft. We ask for your patience and understanding if you are asked to provide additional documentation, especially when conducting account maintenance, ordering Debit or ATM cards, or requesting an address change.

Guard Against Internet Fraud and Unauthorized Account Activity
Always be cautious when responding to requests for special offers delivered through unsolicited e-mail. Guard your personal and business information. Monitor your account activity frequently.

  

To report a lost or stolen ATM/Debit card call:

1-800-500-1044

 

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