• A minimum deposit of $1,500 will open our interest bearing checking account.
• Interest is paid on the entire balance in the account corresponding to the following deposit tiers:
  – Less than $1,500
  – More than $1,500 but less than $10,000
  – More than $10,000.
• A monthly image statement is provided for the account.
• Maintain an average daily balance of $1,500 for the month to avoid a balance fee.
• Write 30 checks or fewer, or maintain an average daily balance of $1,500 for the month to avoid a per item check fee.
• Corporations are not eligible for this account … It is designed for the needs of individuals, sole proprietorships and unincorporated non-profit organizations.
• ATM/Debit Card services are available for this account upon application approval (see additional information below).

• A minimum deposit of $100 will open our traditional checking account.
• A monthly image statement is provided for the account.
• Maintain an average daily balance of $400 for the month to avoid a balance fee.
• Write 30 checks or fewer, or maintain an average daily balance of $2,500 for the month to avoid a per item check fee.
• ATM/Debit Card services are available for this account upon application approval (see additional information below).

• A minimum deposit of $100 will open our basic savings account.
• Interest is compounded and credited on the last business day of each quarter and a semiannual (June and December) statement is provided for the account.
• Interest is paid on the entire balance in the account corresponding to the following deposit tiers:
  – More than $100 but less than $2,500
  – More than $2,500 but less than $10,000
  – More than $10,000 but less than $25,000
  – More than $25,000.
• Make no more than 6 transactions per month to avoid an excess transaction fee.
• No check writing is allowed on this account.

• A minimum deposit of $1,000 will open a Certificate of Deposit.
• Select various single or automatically renewable maturities ranging from 3 to 60 months.
• Interest can be paid at various intervals by compounding, check or transfer to an existing account at our bank.
• An early withdrawal penalty will apply to CDs.

• A minimum deposit of $100 will open an IRA.
• The bank offers Traditional, SEP and Roth IRAs.
• For specific information about how IRS rules governing IRAs may apply to your individual circumstances, you are encouraged to consult your tax or legal professional before opening an IRA.

Most checkbooks can only do one thing – checking. Our debit card does this and much more. Our debit card gives you a faster, more economical, more convenient way to buy the products and services you need. That’s because it allows you to withdraw funds from your checking account without ever having to write out a check. You can eliminate the need to purchase checks and purchase groceries, gas, or anything else using your debit card. Use your card wherever MasterCard® debit card is accepted. In addition, our debit card performs all the functions of an ATM card. It’s the checking-and-withdrawing-funds card all in one. So forget having to round up your checkbook, a pen, and two forms of identification or worry about getting your checks cashed out of town. With our debit card, every purchase is as simple as using a credit card. Stop by the bank or call to obtain a debit card application today.

Our Visa® Platinum Preferred and Visa Classic credit cards are designed to help you manage your account sensibly. Use your card when making a purchase wherever Visa is accepted. Our card offers:

• No annual fee
• A low variable rate
• Free online account information
• Worldwide acceptance
• Cash advance at thousands of ATMs
• Auto rental insurance
• Automatic payment option
• Travel accident insurance coverage
• Prompt, expert service you’ve come to expect from your community bank

Special benefits for those who qualify:
Cardholders eligible for the Visa Platinum Preferred card receive additional rewards. As a Visa Platinum Preferred cardholder, you’ll earn one point for every dollar you spend – every time you use your card to shop, dine, travel, pay bills or entertain. Then, redeem your earned points for exciting gifts and travel packages. There’s no cap to how many points you can earn. Our credit cards are available for consumers and businesses. Stop by the bank or call to obtain a credit card application today.

• Check Cashing
• Checkbook Reconciling
• Coin Counting
• Direct Deposit/Debit
• Escrow Accounts
• Fax
• Money Orders/Cashier’s Checks
• Notary Services
• Online Banking
• Photocopies
• Safe Deposit Boxes
• Snap-shot Statements
• Stop Payments
• Wire Transfers