Primary

Limitations: You must deposit $25.00 to open this account.

Account Fees: A monthly service charge of $3.00 will be
assessed if your minimum balance goes below $500.00. A
$.15 per check charge will be assessed for over 20 checks
per month. An exception to the $3.00 monthly service
charge will be made to persons over the age of 65 and
persons that are full-time students. If you are over the age of
65 or a full-time student, you will not be assessed the $3.00
monthly service charge. The following fees apply to this
account: Stop Payment Fee: $21.00 per item; Dormant
Account Fee: $6.00 per statement cycle; Paid Check
Overdraft Fee: $27.00 per check. A Paid Check Overdraft
Fee, applies to check, or in person withdrawal, or other
electronic means paid to take account to a negative balance.;
and Return Check Handling Fee: $27.00 per check. A
Return Check Handling Fee, applies to check or other
electronic means returned unpaid.

Prime

Rate Information: This Account is an interest bearing
account. The interest rate and annual percentage yield will
depend upon the daily balance in the account as shown on
the Rate Chart. The interest rate and annual percentage yield
may change. At our discretion, we may change the interest
rate on the account once per week on every Tuesday.
Interest begins to accrue on the business day you deposit
noncash items (for example, checks). Interest will be
compounded monthly and will be credited to the account
monthly.
Balance Information: We use the daily balance method to
calculate the interest on the account. This method applies a
daily periodic rate to the principal in the account each day.
You must maintain a minimum balance of $500.00 in the
account each day to obtain the disclosed annual percentage
yield.
Limitations: You must deposit $500.00 to open this
account.
Account Fees: No maintenance fee. A $.15 per check
charge will be assessed for over 20 checks per month. The
following fees apply to this account: Stop Payment Fee:
$21.00 per item; Dormant Account Fee: $6.00 per statement
cycle; Paid Check Overdraft Fee: $27.00 per check. A Paid
Check Overdraft Fee, applies to check, or in person
withdrawal, or other electronic means paid to take account to
a negative balance.; and Return Check Handling Fee: $27.00
per check. A Return Check Handling Fee, applies to check or
other electronic means returned unpaid..

Premier

Rate Information: This Account is an interest bearing
account. The interest rate and annual percentage yield will
depend upon the daily balance in the account as shown on
the Rate Chart. The interest rate and annual percentage yield
may change. At our discretion, we may change the interest
rate on the account once per week on Tuesday. Interest
begins to accrue on the business day you deposit noncash
items (for example, checks). Interest will be compounded
monthly and will be credited to the account monthly.
Balance Information: We use the daily balance method to
calculate the interest on the account. This method applies a
daily periodic rate to the principal in the account each day.
You must maintain a minimum balance of $2,500.00
to obtain the disclosed annual percentage yield.
Limitations: You must deposit $2,500.00 to open this
account. You may make six (6) transfers from your account
each four (4) week or similar period, if by preauthorized or
automatic transfer, or telephone (including data transmission)
agreement, order or instruction or by check, draft, debit card
or similar order (including POS transactions), made by the
depositor and payable to third parties. Transfers and
withdrawals made in person, by messenger, by mail or at an
ATM are unlimited

Account Fees: $.50 per withdrawal over 3 withdrawals. The following fees apply to this account: Stop Payment Fee:
$21.00 per item; Dormant Account Fee: $6.00 per statement
cycle; Paid Check Overdraft Fee: $27.00 per check. A Paid
Check Overdraft Fee, applies to check, or in person
withdrawal, or other electronic means paid to take account to
a negative balance.; and Return Check Handling Fee: $27.00
per check. A Return Check Handling Fee, applies to check or
other electronic means returned unpaid..

Business

$25.00 is required to open this type of account. A monthly service charge of $3.00 per statement cycle is charged if balance falls below $500.00.

Health Savings Account

A Health Savings Account is an IRA-like account that is designed exclusively for covering qualified medical expenses. Use the checks or debit card from your account to pay for qualified medical expenses. 

How does an HSA work?

An HSA works like an IRA, except the money is used to pay for qualified health care costs. Money deposited to the account is tax deductible and is used to pay for current and future qualified medical expenses. Interest earned is not taxable if used for qualified medical expenses. Unused balances rollover from year to year.

Who can qualify?

Anyone with a high deductible health insurance plan is eligible for an HSA provided they are not covered by another health insurance plan, entitled to Medicare or can’t be claimed as a dependent on someone else’s tax return.

What are the tax benefits?

1. Cash contributions to an HSA are deductible from your federal gross income whether you itemize or not.
2. Interest earned is not taxable if used for qualified medical expenses.
3. Withdrawals from an HSA for qualified medical expenses are free from federal income tax. Non-medical withdrawals are considered taxable income and are subject to a 20% penalty.

What are the Contribution Limits for 2023?

Individual Plan: $3,850

Family Plan: $7,750

Catchup Contribution over age 55: $1,000

Fees (Applies to any of our Checking Accounts)

Return Check Handling Fee: $27.00 per check

Paid Check Overdraft Fee: $27.00 per Check

Stop Payment Fee: $21.00 per Item

Dormant Account Fee: $6.00 per Statement Cycle

Out of Cycle Statement: $5.00 per statement

Statement Print Out: $1.00

Wire Fees: $22.00 per wire

Encoded Checks: $1.00 per 10 checks

Garnishment Fee: $25.00

Incoming Fax Fee: $.50 per page

Outgoing Fax Fee: $2.00 per page

Official Bank Checks: $1.00 per hundred; $5.00 maximum

Research Fees: $2.00 per item, or $25.00 per hour plus

$.50 per copy, whichever is greater

Collection Fee: $1.00 per item

Charge Back Fee: $4.00 per item

Copy Fee: $.25 per copy