Checking Accounts 

Free Checking

Free M/C Debit Card
Opening Balance: $50
Balance to Avoid Service Charge: $0
Service Charge: $0           
Per Check Charge: None
Interest: None
Monthly Statement w/out Canceled Checks

Regular Checking

Free M/C Debit Card
Opening Balance: $100
Balance to Avoid Service Charge: $1000
Service Charge: $6 per month if the average daily balance is less than $1,000. A debit
fee of $.20 will be charged for all debits in excess of 15 per statement cycle.
Interest: None
Unlimited Check Writing
Monthly Statement with Imaged Items

Interest Checking

Interest Checking

Free M/C Debit Card
Opening Balance: $1000
Balance to Avoid Service Charge: $1000
Service Charge: $8 per month if the average daily balance is less than $1000. A debit fee of $.20 will be charged for all debits in excess of 20 per statement cycle.
Interest: Call us for our rates.
Unlimited Check Writing
Monthly Statement with Imaged Items

Money Market Checking

Opening Balance: $2500
Balance to Avoid Service Charge: $2500
Service Charge: $10 per month
Excess Activity Charge: A fee of $5.00 will be charged for each debit transaction (withdrawal, check paid, automatic payment from this account) in excess of three per statement cycle.
Interest: Call us for our rates.
Limited Check Writing
Monthly Statement with Imaged Items

Money Market Special Checking

Opening Balance: $75,000
Balance to Avoid Service Charge: $75,000
Service Charge: $25 per month
Excess Activity Charge: A fee of $5.00 will be charged for each debit transaction (withdrawal, check paid, automatic payment from this account) in excess of three per statement cycle.
Interest: Call us for our rates.
Limited Check Writing
Monthly Statement with Imaged Items

Savings

Savings

Opening Balance: $100
Must maintain balance of: $100
Excess Activity Charge: $1 per withdrawal in excess of 8 per quarter
Interest: Interest compounded daily, credited to your account quarterly.

Certificates of Deposit

Opening balance: $1,000
Terms: Various terms available
Rates: Call us for our rates

Loan Products

Automobiles, Boats, and Recreational Vehicles

• New or used financing available
• Flexible terms

Residential Real Estate

• In house or secondary market financing
• Competitive fixed or variable interest rates
• Flexible terms and conditions
• Convenient home equity loans and lines of credit
• Home improvement loans

Residential Construction

• Flexible terms and conditions
• Competitive interest rates
• Convenient construction and permanent financing

Business Banking

Business Checking
Business Checking

Opening Balance:  $100
Service Charge: $10 per month
Per Item Charge: See account analysis fee schedule. Fees offset by an earnings allowance credit.
Interest: None

Money Market Checking

Opening Balance: $2500
Balance to Avoid Service Charge: $2500
Service Charge: $10 per month
Excess Activity Charge: A fee of $5.00 will be charged for each debit transaction (withdrawal, check paid, automatic payment from this account) in excess of three per statement cycle.
Interest: Call us for our rates.
Limited Check Writing
Monthly Statement with Imaged Items

Money Market Special Checking

Opening Balance: $75,000
Balance to Avoid Service Charge: $75,000
Service Charge: $25 per month
Excess Activity Charge: A fee of $5.00 will be charged for each debit transaction (withdrawal, check paid, automatic payment from this account) in excess of three per statement cycle.
Interest: Call us for our rates.
Limited Check Writing
Monthly Statement with Imaged Items

Loan Products

Revolving Line of Credit

• Exceptional convenience designed by the customer
• Competitive interest rate

Commercial Real Estate

• Flexible terms and conditions
• Competitive interest rate (fixed or variable)

Commercial Loans

• Flexible terms and conditions
• Competitive interest rate (fixed or variable)

Commercial Construction

• Flexible terms and conditions
• Competitive interest rate (fixed or variable)

Residential Construction

• Flexible terms and conditions
• Competitive interest rate (fixed or variable)
  

Mortgage Financing for Apartment Complexes, Shopping Centers, Office Buildings and Warehouses