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Deposit Accounts
- Free Checking
- Regular Checking
- Banclub Checking
- Banclub 50 Checking
- Banclub 50 Plus Checking
- Interest Checking Accounts
- Money Market Demand Accounts
- Savings Accounts
- Certificates of Deposit
- Individual Retirement Accounts
Free Checking
- Minimum $200.00 to open
- Statement only
- ATM/Debit Card Available
Regular Checking
- No Interest Paid
- Minimum $200.00 to open
- Balance for the month $300.00 or more-no charge
- Balance for the month $200.00 to 299.99 -$1.00 Charge
- Balance for the month $100.00 to 199.99- $3.00 Charge
- Balance for the month $ 0.00 to $99.99-$5.00 Charge
- ATM/ Debit Card Available
Banclub Checking
- Minimum $200.00 to open
- Membership fee-$6.75 per month
- Checks are free
- ATM/Debit Card available
Banclub 50 Checking
- Minimum $200.00 to open
- Balance over $100.00-no charge for the month
- Under $100.00 - $5.00 charge per month
- Checks purchased 50% discount
- ATM/Debit card available
Banclub 50 Plus Checking
- Checking Account
- Minimum $200.00 to open
- Interest bearing account
- Membership fee - $3.50 per month
- Checks are free
- ATM/Debit card available
Interest Checking Accounts
- Minimum $1,000.00 to open
- No limit on check writing
- If average collected balance for the month drops below $1,000.00 - $5.00 service charge and no interest paid.
- ATM/Debit card available.
Money Market Demand Accounts (MMDA)
- Minimum $2,500.00 to open
- Three (3) Checks per month
- Three (3) transfers per month
- If average collected balance drops below $2,500.00 during month - $5.00 service charge and interest is paid
- If average collected balance drops below $1,000.00 during month - $5.00 service charge and no interest is paid.
- ATM/Debit Card available.
Savings Accounts
- Minimum $100.00 to open
- Six free withdrawals per quarter thereafter $1.00 per withdrawal for the remaining of quarter.
- Interest paid quarterly
- No interest paid on accounts not earning $1.00 interest per quarter
- Accounts with a balance of $25.00 or less and no activity will have a service charge of $1.50 per quarter.
Certificates of Deposit
- Minimum $500.00 to open
- Various terms available
- Substantial penalty for early withdrawal
Individual Retirement Accounts
- Various terms available
- Substantial penalty for early withdrawal
NOTICE OF CHANGES IN TEMPORARY FDIC INSURANCE COVERAGE FOR TRANSACTION ACCOUNTS
All funds in a "noninterest-bearing transaction account" are insured in full by the Federal Deposit Insurance Corporation from December 31, 2010, through December 31, 2012. This temporary unlimited coverage is in addition to, and separate from, the coverage of at least $250,000 available to depositors under the FDIC's general deposit insurance rules.
The term "noninterest-bearing transaction account" includes a traditional checking account or demand deposit account on which the insured depository institution pays no interest. It also includes Interest on Lawyers Trust Accounts ("IOLTAs"). It does not include other accounts, such as traditional checking or demand deposit accounts that may earn interest, NOW accounts and money-market deposit accounts.
For more information about temporary FDIC insurance coverage of transaction accounts, visit www.fdic.gov.