Personal Banking

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 does not include other accounts, such as traditional checking or demand deposit accounts that may earn interest, NOW accounts, money-market deposit account, and Interest on Lawyers Trust Accounts ("IOLTAs").

For more information about temporary FDIC insurance coverage of transaction accounts, visit www.fdic.gov .

Economy Now Account

$100.00 minimum balance requirement
$7.00 monthly service fee if balance falls below the average daily balance of $100.00
1 box of free standard checks at account opening
$.35 fee for each check paid

Now Account

$500.00 minimum balance requirement
$7.00 monthly service fee if balance falls below the average daily balance of $500.00
1 box of free standard checks at account opening
30 free checks paid per month, $.35 per check paid thereafter: this fee does not apply to customers 55 years old or older. (Please notify us of your eligibility)

Super Now Account

$1000.00 minimum balance requirement
$6.00 monthly service fee if balance falls below the average daily balance of $1,000.00
1 box of free standard checks at account opening
30 free standard checks paid per month, $.35 per check paid thereafter
Tiered interest rates, paid monthly

Money Fund Account

$1000.00 minimum balance requirement
$10.00 monthly service fee if balance falls below the average daily balance of $1,000.00
Maximum of three monthly checks
Maximum of three automatic transfers per statement cycle
Tiered interest rates, paid monthly

Statement Savings Account

$100.00 minimum balance
Interest paid monthly
Maximum of six automatic transfers per month
$5.00 monthly service fee if balance falls below the average daily balance of $100.00

Passbook Savings Account

$25.00 minimum balance
Three free cashiers checks per month
Interest paid monthly
$5.00 monthly service fee if balance falls below the average daily balance of $25.00

Christmas Savings Account

$5.00 minimum balance
Interest paid monthly
Account pays out in October
No withdrawals permitted

Certificates of Deposit and IRA’s

Fixed rate of interest
Flexible terms