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Personal Products

Personal Checking - Non-Interest Bearing

$100.00 minimum balance to open
$500.00 average daily (collected) balance required to avoid monthly service charge
$6.00 monthly service charge if average daily (collected) balance is not maintained
$1.00 service charge for each foreign ATM transaction in excess of 10 per statement cycle
Unlimited Check writing

Personal Checking - Interest Bearing

$100.00 minimum balance to open
$1,000.00 average daily (collected) balance required to receive interest and avoid monthly service charge
$10.00 monthly service charge if average daily (collected) balance is not maintained
$1.00 service charge for each foreign ATM transaction in excess of 10 per statement cycle
Unlimited Check writing

Personal Savings Account

$100.00 minimum balance to open
$100.00 minimum (collected) balance required to receive interest and avoid monthly service charge
$2.00 monthly service charge if minimum (collected) balance is not maintained
Transaction restrictions subject to Federal Regulations
$2.00 activity fee for each transaction over six per month (ATM transactions included)

Certificates of Deposit

$1,000.00 minimum balance to open
You may decide on maturity from 30 days to 5 years, so you can choose the CD that best fits your needs. There may be a substantial penalty for early withdrawal. Refer to "Early Withdrawal Penalty Disclosure" for details.

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