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Deposit Accounts CHECKING: FREE CHECKING requires a deposit of $50.00 to open the account. It has no maintenance fee and unlimited check writing. You also receive your check images with your statement!THE CLUB ACCOUNT requires a minimum deposit of $50.00 to open the account with no minimum balance required to maintain the account. A per withdrawal fee of .20 cents will be charged for each check paid or other withdrawal in excess of 50 during a statement cycle. Club checks are at no charge, other styles available for a fee. Traveler Cheques for one with no fee and two money orders per month with no fee. You also receive your check images with your statement! We have a Standard Plan with a $6.00 service charge fee per statement cycle and a Family Plan with a $8.00 service charge fee per statement cycle. If Senior Citizens direct deposit their Social Security checks they will receive a discount of one-half of the regular monthly fee. Ask about the other benefits of having THE CLUB ACCOUNT! HOMETOWN GOLD requires a minimum deposit of $50.00 to open the account. A service charge fee of $5.50 will be charged when the account falls below $1,00.00 on any day during the statement cycle. The interest rate and annual percentage yield may change on your account at any time. Interest will be compounded each month and credited to your account at the statement cycle. We use the daily balance method to calculate the interest on the account. This method applies a daily periodic rate to the collected principal in the account each day.HI-FI ACCOUNT requires a deposit of $2,000.00 to open the account. A $7.50 fee will be charged when the account falls below $2,000.00 on any day during the statement period. We may change the interest rate and annual percentage yield on your account at any time. Interest will be compounded each month and credited to your account each statement cycle. You are limited to six withdrawals per statement cycle. Business Account requires a deposit of $50.00 to open the account and no minimum balance required to maintain the account. A $5.50 fee will be charged per statement period. You receive a statement with images.SAVINGS: Savings Account requires a deposit of $50.00 to open the account. A $2.00 fee will be charged if the average daily balance falls below $100.00. Transactions are limited to 6 per statement period. Interest is compounded quarterly and credited to your account quarterly. Children's penny Pig Savings Account requires a $1.00 deposit to open the account. For each $25.00 deposited to the account, you are eligible for a prize. This account is for children ages 0-12. Passbooks must be presented to obtain a prize. No minimum balance required.Christmas Club Account requires $1.00 deposit to open the account. Interest is compounded quarterly and credited to the account quarterly. Only one withdrawal is allowed per year and it is on approximately November 1 when the bank will issue a check for the funds deposited into the account. No early withdrawals are permitted. No minimum balance is required and no fees are charged. OTHER BANK SERVICES: Overdraft Protection - If you request, we will transfer funds from a savings account to your checking account to cover overdrafts in your checking account. A fee of $3.00 will be charged to your checking account each day an automatic transfer occurs. Safe Deposit Boxes - We have a variety of safe deposit boxes we rent in different sizes and price ranges. This offers you the piece of mind knowing that your valuables are in a safe and secure place. Come in and visit with us concerning which box size and price is right for you! Checks - We offer Cashier's Checks, Personal Money Orders, and Travelers Checks for your purchase. Cashier's Checks and Personal Money Orders are a convenient way to pay for purchases or expenses. Travelers Checks provide a secure method for your travel expenses. A small fee may be charged for these items. atm/debit Card - An ATM/Debit Card allows you to access a checking account by using an ATM at locations throughout the country or make purchases from a merchant that accepts Debit Mastercard® by using an authorized signature or PIN. It is a fast and easy way to pay for your purchases instead of writing a check. No annual fee and no item fee if used at our ATM. Direct Deposit and Withdrawals - We can assist you in signing up for Direct Deposit for your Social Security, Pension, State, Payroll, etc. checks! We will be glad to help you fill out the necessary paper work to put your mind at ease with Direct Deposits! When your out of town or the weather is bad, your check will be safely in your account with no worry! Savings Bonds - We will be glad to assist you in the purchase or redemption of U. S. Savings Bonds. To purchase a new savings bond we require the bond holders name, social security number, mailing address, and if you wish to put a second name on the bond we will need their name and social security number. You may want to find out what your Savings Bond is worth today. We can help you with that as well! |
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| The Deluxe Card can be used for special occasions and offer a convenient way to give a gift. |
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