• ADD Account (low cost Direct Deposit/
ATM Account)

• Must receive monthly direct deposit            

• ATM card access   

• Only in-person / ATM withdrawals   permitted  

ï Five withdrawals per month; $.25/withdrawal thereafter      

ï $1.00 per month maintenance service charge          

• $25.00 required to open account

• NOW Accounts 

• Unlimited check writing

• ATM / Debit card access    

• Interest bearing           

• $1000.00 to open account   

• $.20 per debit service charge if balance falls below $1000.00                   

• $2000.00 Accidental Death &    Dismemberment insurance at no cost  (Additional amounts may be purchased)

• Certificate of Deposit Accounts

Please ask a representative about the available Certificates of Deposit Rates and Terms

• IRA Accounts         Please ask a representative about the available Certificates of Deposit Rates and Terms

See disclosures for complete account information and other charges.

• Regular Savings Account

• ATM card access   

• $25.00 deposit to open account     

• Five free withdrawals per quarter   

• $.50 fee per withdrawal after 5

• Money Market Deposit Account (MMDA)

• ATM / Debit card access   

• Interest bearing 

• $500.00 to open account    

• 3 withdrawals per month to third parties; $10.00 per third party withdrawals over 3.        

• Unlimited in-person withdrawals    permitted,  

ï$2.00 per withdrawal over 6 per month.
• FREE Checking

ïNo Service charge charge

ï$25.00 deposit to open account

ïUnlimited check writing

ïNo minimum balance required

ïFree ATM/Debit card

ïFree check images with statement

ïPersonal accounts only

Note: to maintain a FREE checking account, personalized checks must be purchased through this institution.

• Regular Checking Account

ïATM/Debit card access

ïUnlimited check writing

ï$25.00 deposit to open account

ï$2.00 per month service charge

ï$.20 each debit over 10

ïService charges waived for those over 65 with a direct deposit.

ï$2000.00 Accidental Death & Dismemberment ins. at no cost (Additional amounts may be purchased)