Personal Accounts

Personal Accounts - Savings

Money Market Plus Savings Account

Best For

For individuals only

Features

	Minimum deposit of $1,000.00 to open this account
	A service fee of $10.00 will be charged each monthly statement period unless a minimum ledger balance of $5,000.00 is maintained during that statement period
	Interest rates are variable and determined daily at banks discretion for balances of $1,000.00 to $9,999.99 and for balances of $10,000 and over
	Variable interest will be calculated using the simple method based on the daily collected balance and credited monthly
	Depositor may make no more than six preauthorized withdrawals (including, but not limited to withdrawals made by automated clearing house, telephone or wire) no more than three of which may be made by check, each monthly statement period. These limitations do not apply to withdrawals made through automated teller machines, over-the-counter, mail or messenger
	There will be a $5.00 additional transaction fee for any preauthorized withdrawal exceeding six
	Check safekeeping is required
	Monthly statement provided

Statement Savings Account

Best For

For individuals or unincorporated nonbusiness associations

Features

	Minimum deposit of $50.00 to open this account
	A service fee of $1.00 will be charged each statement cycle unless a minimum ledger balance of $50.00 is maintained during that cycle
	A withdrawal, fee of $1.00 per additional withdrawal over 6 will be charged per statement
	No service or withdrawal fees for customers under 18 years of age
	Interest rates are variable and determined daily at banks discretion
	Variable interest will be calculated using the simple method based on the daily collected balance and credited quarterly
	Depositor may make no more than six preauthorized withdrawals (including, but not limited to withdrawals made by automated clearing house, telephone or wire) each calendar month. These limitations do not apply to withdrawals made through automated teller machines, over-the-counter, mail or messenger
	Quarterly (monthly with EFT activity) statement provided

Christmas Savings Account

Best For

For individuals or unincorporated nonbusiness associations

Features

	Minimum deposit of $10.00 to open this account
	Deposits can be transferred automatically from checking account. Transfers will be in that amount and occur on the dates or at the frequency directed by the depositor. Normal overdraft procedures will apply, including initiating any overdraft protection, if there are insufficient funds in the checking account to cover the amount of the transfer
	Additional deposits allowed
	No monthly service fee
	Variable interest will be calculated using the simple method based on the daily collected balance
	Funds in the account will be paid out each October by check
	Preauthorized withdrawals are prohibited there is a $5.00 fee for all other