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Account Overview

We make it easy to find a safe, secure deposit account that’s right for you.

 

Deposit Accounts

An overview of the deposit accounts offered by the bank.
 Regular Checking AccountNOW AccountSNOW Account
Minimum Balance to Open$25.00$1,500.00$10,000.00
Minimum Balance to Avoid a Fee$8.00 if your account falls below $500.00$15.00 if your account falls below $1,500.00$15.00 if your account falls below $10,000.00
Deposit LimitationsUnlimited depositsUnlimited depositsUnlimited deposits
Additional TermsLearn more on Regular Checking Account page

Learn more on NOW Account page

Learn more on Snow Account page
Effect of Closing

N/A

Customer will receive accrued interestCustomer will receive accrued interest
Minimum Balance to Open
$25.00
Minimum Balance to Avoid a Fee
$8.00 if your account falls below $500.00
Deposit Limitations
Unlimited deposits
Additional Terms
Learn more on Regular Checking Account page
Effect of Closing

N/A

Minimum Balance to Open
$1,500.00
Minimum Balance to Avoid a Fee
$15.00 if your account falls below $1,500.00
Deposit Limitations
Unlimited deposits
Additional Terms

Learn more on NOW Account page

Effect of Closing
Customer will receive accrued interest
Minimum Balance to Open
$10,000.00
Minimum Balance to Avoid a Fee
$15.00 if your account falls below $10,000.00
Deposit Limitations
Unlimited deposits
Additional Terms
Learn more on Snow Account page
Effect of Closing
Customer will receive accrued interest
 

More information on the above accounts here:

 

Savings Account

An overview of the savings accounts offered
 Savings AccountIndividual Retirement Account (12 Month IRA)
Minimum Balance to Open$25.00$1,000.00
Minimum Balance to Avoid a Fee$1.00 if your account falls below $25.00

N/A

Deposit LimitationsUnlimited depositsTwo deposits during term
Limitations of Frequency of TransfersSix per month

N/A

Fees and Charges$1.00 per debit in excess of 3 during month

N/A

Effect of ClosingCustomer will receive accrued interestMay be subject to early withdrawal penalty
Effect on Maturity

N/A

The maturity date for this account will remain the same after additional deposits
Time Requirements

N/A

This account matures 12 months after account opening
Crediting Frequency

N/A

Interest will be credited into this account monthly
Withdrawal Limitations

N/A

Cannot make withdrawals before maturity
Early Withdrawal Penalties

N/A

Penalty will equal 182 days interest of the amount withdrawn subject to penalty
Automatically Renewable Account

N/A

Renews at maturity
Minimum Balance to Open
$25.00
Minimum Balance to Avoid a Fee
$1.00 if your account falls below $25.00
Deposit Limitations
Unlimited deposits
Limitations of Frequency of Transfers
Six per month
Fees and Charges
$1.00 per debit in excess of 3 during month
Effect of Closing
Customer will receive accrued interest
Effect on Maturity

N/A

Time Requirements

N/A

Crediting Frequency

N/A

Withdrawal Limitations

N/A

Early Withdrawal Penalties

N/A

Automatically Renewable Account

N/A

Minimum Balance to Open
$1,000.00
Minimum Balance to Avoid a Fee

N/A

Deposit Limitations
Two deposits during term
Limitations of Frequency of Transfers

N/A

Fees and Charges

N/A

Effect of Closing
May be subject to early withdrawal penalty
Effect on Maturity
The maturity date for this account will remain the same after additional deposits
Time Requirements
This account matures 12 months after account opening
Crediting Frequency
Interest will be credited into this account monthly
Withdrawal Limitations
Cannot make withdrawals before maturity
Early Withdrawal Penalties
Penalty will equal 182 days interest of the amount withdrawn subject to penalty
Automatically Renewable Account
Renews at maturity
 

More information on the above accounts here:

 

Certificates of Deposit

An overview of the Certificates of Deposit Accounts.
 30 Day Certificate of Deposit91 Day Certificate of Deposit182 Day Certificate of Deposit12 Month Certificate of Deposit24 Month Certificate of Deposit
Minimum Balance to Open$1,000.00$1,000.00$1,000.00$1,000.00$1,000.00
Time RequirementsMatures after 30 daysMatures after 91 daysMatures after 182 daysMatures after 12 monthsMatures after 24 months
Crediting FrequencyInterest will be credited at maturityInterest credited monthlyInterest credited monthlyInterest credited monthlyInterest credited monthly
Withdrawal LimitationsCannot make withdrawals before maturityCannot make withdrawals before maturityCannot make withdrawals before maturityCannot make withdrawals before maturityCannot make withdrawals before maturity
Early WithdrawalsWill equal 30 days interestWill equal 91 days interestWill equal 91 days interestWill equal 182 days interestWill equal 182 days interest
Automatically Renewable AccountRenews at maturityRenews at maturityRenews at maturityRenews at maturityRenews at maturity
Minimum Balance to Open
$1,000.00
Time Requirements
Matures after 30 days
Crediting Frequency
Interest will be credited at maturity
Withdrawal Limitations
Cannot make withdrawals before maturity
Early Withdrawals
Will equal 30 days interest
Automatically Renewable Account
Renews at maturity
Minimum Balance to Open
$1,000.00
Time Requirements
Matures after 91 days
Crediting Frequency
Interest credited monthly
Withdrawal Limitations
Cannot make withdrawals before maturity
Early Withdrawals
Will equal 91 days interest
Automatically Renewable Account
Renews at maturity
Minimum Balance to Open
$1,000.00
Time Requirements
Matures after 182 days
Crediting Frequency
Interest credited monthly
Withdrawal Limitations
Cannot make withdrawals before maturity
Early Withdrawals
Will equal 91 days interest
Automatically Renewable Account
Renews at maturity
Minimum Balance to Open
$1,000.00
Time Requirements
Matures after 12 months
Crediting Frequency
Interest credited monthly
Withdrawal Limitations
Cannot make withdrawals before maturity
Early Withdrawals
Will equal 182 days interest
Automatically Renewable Account
Renews at maturity
Minimum Balance to Open
$1,000.00
Time Requirements
Matures after 24 months
Crediting Frequency
Interest credited monthly
Withdrawal Limitations
Cannot make withdrawals before maturity
Early Withdrawals
Will equal 182 days interest
Automatically Renewable Account
Renews at maturity
 

More information on CDs here:

FDIC Insured

Each depositor insured up to at least $250,000.00 by the FDIC.

See FDIC’s Electronic Deposit Insurance Estimator (EDIE)

USA PATRIOT Act Statement

IMPORTANT INFORMATION ABOUT PROCEDURES FOR OPENING A NEW ACCOUNT – To help the government fight the funding of terrorism and money laundering activities, Federal law requires all financial institutions to obtain, verify, and record information that identifies each person who opens an account.

What this means to you: When you open an account, we will ask for your name, address, date of birth, and other information that will allow us to identify you. We may also ask to see your driver’s license or other identifying documents.

 
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