Products & Services

Regular Personal Checking^*

• $100.00 minimum to open account
• Unlimited check writing
• Monthly statement with check images
• A service charge of $8.00 will be imposed if the balance falls below $700.00 any day of the statement cycle.

eChecking Account

• $100.00 minimum to open account
• Unlimited check writing
• Monthly statement with check images
• A service charge of $8.00 monthly
• To avoid an $8.00 service charge with an eChecking account:
  1. Enroll & receive e-statements each month – Paper statement will not be mailed
  • $4.00 discount for Online Statement
  2. Have one Direct Deposit (ACH) deposited into account
  • $2.00 discount for Direct Deposit
  3. Have 10 Debit Card purchases post and settle to your account each qualification cycle
  • $2.00 discount for 10 Debit Card purchases

NOW Accounts^*

• $1,500.00 minimum to open account
• Interest bearing account for consumers
• Unlimited check writing
• Monthly statement with check images
• Balance of $1,500.00 or more required to earn interest
• No interest is paid on balance less than $1,500.00
• A service charge of $8.00 will be imposed if the balance falls below $1,000.00 any day of the statement cycle.

Money Market Accounts^*

• $1,000.00 minimum to open account
• Interest bearing account requires $1,000.00 minimum balance for current interest rates
• Interest rates paid on tiers:
  • $1,000.00 - $9,999.99
  • $10,000.00 - $49,999.99
  • $50,000.00 and over
• By law, six third-party withdrawals or transfer allowed each month. No limit on the number withdrawals made in person or by ATM.
• First six withdrawals are free; fee of $5 for each additional withdrawal.

Silver Savings^*

• $100.00 minimum to open account
• Interest compounded quarterly
• Quarterly statements
• Six (6) free debit transactions each quarter
• An excess withdrawal fee of $1.00 will be charged for each debit transaction (withdrawal, automatic transfer, or payment out of this account) in excess of six (6) during a quarter.

*Nonsufficient and Overdraft fees apply to overdrafts and returned items on checking, N.O.W., Money Market and Silver Savings accounts.

Certificates of Deposit

• $1,000.00 minimum to open account
• Terms from 30 days to 60 months
• Competitive interest rates
• renewal
• Federal regulations require a penalty for early withdrawal

Individual Retirement Accounts

• $50.00 minimum to open a variable interest rate IRA
• Terms from 30 days to 60 months for fixed interest rates
• Eighteen (18) months for variable interest rate certificates
• Competitive interest rates
• Automatic renewal
• Traditional, ROTH, SEP, CESA accounts
• Federal regulations require a penalty for early withdrawal

Loans

• Consumer
• Commercial
• Mortgage

Debit Cards

• MasterMoney^® Debit Card
• May be used wherever MasterCard® is accepted
• Transactions deducted immediately from your checking account
• Transactions posted on your checking account statement
• May be used for cash withdrawals at ATM machines displaying the Pulse or Cirrus logos^*

^*Fees may apply for ATM withdrawals

Telephone Banking

• Dial 662-447-2703 to access your account information 24 hours a day, seven days a week.