Checking Accounts


Our basic account with no monthly service fee assessed for accounts maintaining a daily balance above $500.00 per month. We process up to 20 checks per month free of charge, each additional check is processed for $0.15 each.

We do not assess the monthly service fee for customers over the age of 65 years or for full-time students.


An interest bearing account using the daily balance method to calculate the interest you receive. A $500.00 minimum balance in the account each day during the statement cycle is required to be paid our disclosed Annual Percentage Yield. No monthly service charge will be assessed for accounts with a balance over $500.00 and 20 checks will be processed free of charge. Additional checks are processed for $0.15 each.


Money Market Account-interest bearing account. $5,000.00 is required to open this variable interest rate account. Transactions per month are limited.


$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