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Deposit
Accounts: personal checking
| business checking | savings
| rates | cds
| iras | heritage club | moola
moola savings program | check
reorder form
Checking
Options
Worry Free
- No Minimum Balance
- No Monthly Service Fee
- Unlimited Check Writing
- FREE ATM or Debit Card
Centennial Checking
- $500 Minimum Balance*
- Earns Interest**
- 1/4% Bonus Rate Over $10,000
- FREE ATM or Debit Card
Open a Money Market
Savings Account*** with either Free Checking or Interest Checking and
receive these additional benefits:
- Free Standard
Check Blanks
- Free Travelers
Checks
- Free Money Orders
*$10 service charge
if minimum balance is not maintained.
**Interest earned on daily balance.
***Minimum balance of $1,000
Overdraft
Protection
You can avoid overdrafts
on a checking account with an Overdraft Protection line of credit. Funds
are automatically transferred to the account to cover checks when there
are insufficient funds in that account. Lines are available from $100
to $7,000 to qualified individuals. There is no annual fee for this line
of credit and interest is paid on the outstanding balance of the overdraft.
Advancements are made in increments of $100.00 with a $2.00 fee assessed
per advance. For example, a $5.00 overdraft would result in a $100.00
advance plus a $2.00 fee.
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Business
Checking
Commercial
Checking
(Service
Charge Schedule) |
| Monthly
Maintenance |
$5.00 |
| All
Debits |
$0.12 |
| Deposits |
$0.25 |
| Deposit
Items |
|
| |
On Us |
$0.04 |
| Transit |
$0.07 |
| *These
charges will be offset by an earnings credit. This credit is
based on the average 90-day treasury bill rate and your account's
average collected balance (after a 3% reserve requirement.)
|
|
Small
Business Checking
(Service
Charge Schedule) |
| Monthly
Maintenance |
$5.00 |
| All
Debits |
$0.12
(after 10) |
|
Interest
Checking
(Service
Charge Schedule) |
| Monthly
Maintenance |
$6.00 |
| All
Debits |
$0.12 |
| Deposits |
$0.25 |
| Deposit
Items |
|
| |
On Us |
$0.04 |
| Transit |
$0.07 |
| *Accounts
earn interest at a market rate, credited monthly. |
|
Special
Checking
Available
to non-profit organizations and special groups that normally
deposit 30 items or less per month. |
- No
Minimum Balance
- Initial
order of checks free
|
|
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Savings
Money Market Account
- Minimum Balance
of $1000*
- Allows 6 Withdrawals
per Month****
- Statements provided
to you monthly
- Higher Yielding
Tiered Interest Rates Compounded Monthly (Rates)
Regular Savings
- Minimum balance
of $100**
- Allows 6 Withdrawals
per Quarter***
- Interest Accrued
Daily, Compounded Quarterly (Rates)
Youth Savings
- No Minimum Balance
- Must Be 18 or
Younger
- Allows 6 Withdrawals
per Quarter***
- Interest Accrued
Daily, Compounded Quarter (Rates)
*Service charge of $10.00
if balance falls below $1000.00
**Service charge of $3.00 if balance falls below $100.00
***Excess debit charge of $2.00 for each withdrawal over six
****Excess debit charge of $10.00 for each withdrawal over six
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Certificates
of Deposit Options
- 182 Day CD
- 1 Year CD
- 2 Year CD
- 3 Year CD
- 4 Year CD
- 5 Year CD
- Rates
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Individual
Retirement Account Options
- 182 Day IRA
- 1 Year IRA
- 2 Year IRA
- 2 Year Variable
IRA
- 3 Year IRA
- 4 Year IRA
- 8 year IRA
- Rates
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Heritage
Club
The Heritage Club is designed for all of our customers age 50 and older who have a combined balance of $5,000 in a deposit account. The deposit accounts include: checking, savings, certificates of deposits; as well as investments in our Trust Department and Ramsey Investment Services. A membership covers named persons on joint accounts.
Here are some of the benefits:
- Free Interest Bearing Checking account with unlimited check writing, no service charge and no minimum balance
- Certificate of Deposit Bonuses
- Free Check Blanks
- Free Money Transfers
- Free Money Orders
- Free Travelers Checks
- Free Copying Service
- Free Notary Service
- Free Stop Payment Orders
- Free Faxes
- Free ATM or Debit Card
- ATM Reimbursement
- $20 Referral Bonus
- Safe Deposit Box Discount
- Coffee Parties, Luncheons and special activities
- Periodic Newsletter
Contact any of our employees for more information.
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Moola
Moola Savings Program
This is an educational
savings program for children under the age of 13. The club offers many
membership benefits including:
- No minimum account
balance
- Earn interest
on your savings
- Earn free items
or purchase items at a "Savers Club Prices" from the Moola Moola store
with filled Stamp Collector Sheets
- Receive birthday
cards
- Attend special
events - and more!
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