• Passbook Savings
• Money Market Deposit Account
• Cradle to College Savings
• Now Checking Accounts
• Health Savings Accounts
• Checking
• Re-Order Checks

Passbook Savings

• Interest bearing account.
• Minimum opening deposit $100.00
• Monthly Service Charge of $3.00 if daily balance drops below $100.00
• Excessive Withdrawal Fee $10.00 per month.
• Six transfers per month allowed by preauthorized automatic transfers, telephone transfers, checks, drafts, debit card or similar order by depositor to third parties.
• Transfers and withdrawals made in person, by mail, by messenger, or at an ATM are unlimited.
• Interest rate may change at any time.
• Interest compounded and credited to the account semi-annually.
• Daily balance method used to calculate interest.
• Interest begins to accrue on the business day you deposit non-cash items (for example checks).

Money Market Deposit Account

• Interest bearing account.
• Minimum opening deposit $5,000.00
• Monthly Service Charge of $3.00 if daily balance drops below $5000.00 and interest will drop to current Passbook Savings rate.
• Interest dependent on balance of account.
• Tier 1 $5000-9,999.99
  Tier 2 $10,000-24,999.99
  Tier 3 $25,000-49,999.99
  Tier 4 $50,000-99,999.99
  Tier 5 $100,000 and above
• Interest can change at any time.
• Interest compounded and credited to the account monthly.
• Daily balance method used to calculate interest.
• Interest begins to accrue on the business day you deposit non-cash items (for example checks).
• Six transfers per month allowed by preauthorized automatic transfers, telephone transfers, checks, drafts, debit card or similar order by depositor to third parties.
• Excessive Withdrawal Fee $10.00 per month.
• Transfers or withdrawals made in person, by messenger, by mail, or at an ATM are unlimited.

Cradle to College Savings

• Interest bearing account.
• Minimum opening deposit $50.00
• Interest rate on the account is based on the current rate of CBS one year Certificate of Deposit.
• Interest compounded and credited to account quarterly.
• Interest rate may change at any time.
• Interest begins to accrue on the business day you deposit non-cash items (for example checks).
• Daily balance method used to calculate interest.
• NO WITHDRAWALS will be permitted before the child’s 18th birthday.
• If account is closed before the child’s 18th birthday, a penalty of accrued interest plus 180 days interest will be assessed.

Now Checking Accounts

• Interest bearing account.
• Minimum opening deposit $2500.00
• Unlimited check writing.
• Monthly Service Charge of $10.00 if daily balance drops below $2500.00
• Interest rate may change at any time.
• Interest is compounded & credited to the account monthly.
• Interest begins to accrue on the business day you deposit non-cash items (for example checks).
• Daily balance method used to calculate interest.
• Eligible customers are Individuals, Sole Proprietors, Non-Profit Organizations or Government Agencies.

Health Savings Accounts

• To qualify, you must be covered under a High Deductible Health Plan.
• The account will be used for qualified medical expenses as allowed by specified regulations.
• You notify us when you are no longer eligible to maintain the account.
• Interest bearing account.
• Minimum opening deposit $100.00
• Account opening fee $15.00
• Monthly Service Charge of $3.00 if daily balance drops below $100.00
• Interest begins to accrue on the business day you deposit non-cash items (for example checks).
• There will be a $25.00 charge to transfer or close an HSA.

Consult your tax advisor regarding IRS treatment of contributions, withdrawals, and earnings.

Checking

We have several different types of checking accounts to meet the needs of all our customers.

Regular Checking

• Minimum opening deposit $100.00
• Unlimited check writing.
• No monthly Service Charge if daily balance is over $850.00
• Monthly Service Charge of $7.50 for daily balances under $850.00
• Monthly statement with images.

Business Checking

• Minimum opening deposit $200.00
• Unlimited check writing.
• Monthly Service Charge of $10.00
• Monthly statement with images.

Green Checking

• Minimum opening deposit $100.00
• Unlimited check writing.
• No monthly Service Charge with Electronic Statements.
• Environmental Fee of $5.50 for paper statements per month.
• Monthly statement with images.

Senior Checking - 50 Plus

• Reserved for 50 years or older.
• Minimum opening deposit $100.00
• Unlimited check writing.
• No monthly Service Charge.
• Monthly statements with images.

Re-Order Checks

• To Re-Order checks through Deluxe please access their website by clicking the link below. Be sure to have your Routing/Transit Number, Account Number, and Next Starting Check Number handy.





• To Re-Order checks through Main Street Checks please access their website by clicking the link below. Be sure to have your Routing/Transit Number, Account Number, and Next Starting Check Number handy.

Contact Information