| Deposits
Totally
FREE Checking
Features:No minimum balance required. Minimum
opening balance $100. Monthly statement, Unlimited check writing,
ATM accessibility, VRU accessibility. Return to menu

The Club ®
Features: Personalized Checks, Unlimited Check
Writing, $10,000 Accidental death and Dismemberment Insurance,
Medical Emergency Data Card, Luggage Protection, varying percentage
Lodging Discounts, Car Rental, RV Lodging, Chain Discounts and
more. Movie Theater Discounts, Savings on Special Services, Theme
Park Discounts, and Other Attractions. Grocery Coupons, Golf Discounts,
Bonus Travel, Sojourns Magazine Subscription,
Hotel Savings Network, Discounts at Popular Lodging Chains, free
Individual Travelers Checks, Cashier's Checks, and Money Orders.
Deposit of Social Security and Payroll Checks, 24-Hour ATM Convenience,
Photocopy Service, Bank-by-Mail, All for $7 a Month. Return
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The Club Plus
Features: No Minimum Balance, Free Individual
Travelers Checks, Cashier's Checks and Money Orders. Increase your
security with the Family Plan, Auto Emergency Information Log,
Auto Trip Routing, Notary Service, All for Only $8 Monthly Membership
fee. Return
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Classic Checking
Features: Minimum balance $200. Minimum opening
balance $100. Monthly imaged statement, Unlimited check writing,
ATM accessibility, VRU accessibility. Account Charges: Monthly
minimum balance fee if the daily balance on any given day of the
month drops below $200 is $6. Return
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55+ Checking
Features: No minimum balance required. Minimum
opening balance $100. Primary account holder must be age 55. Monthly
imaged statement, Unlimited check writing, ATM accessibility, VRU
accessibility. Account Charges:ATM fees may apply, Bookkeeping
services fees may apply. Return to menu
NOW Checking
Features: Minimum balance $1000. Minimum opening
balance $1000. Unlimited transfers in the bank, Unlimited Check
writing. ATM accessibility, VRU accessibility. Monthly imaged statement.
Interest terms: Floating market rate, subject to change. Accounts
closed before the end of the statement cycle forfeit accrued interest.
Account Charges: Monthly minimum balance fee if the daily balance
drops below $1000 any day of the month is $5. Corporations are
not eligible for NOW accounts. Return
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CD Checking
Features: Minimum balance $20,000. Minimum opening
balance $20,000. Monthly imaged statement, Unlimited transfers
in the bank, Unlimited Check writing. ATM accessibility, VRU accessibility.
Interest terms: Balance up to $19,999.999 - Our current Now account
rate. $20,000 and greater - Our current 3 Month CD rate. Accounts
closed before the end of the statement cycle forfeit accrued interest.
Account Charges: Monthly minimum balance fee if the average daily
balance drops below $20,000 is $25. Return
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Money Market
Account
Features: Minimum balance $1000. Minimum opening
balance $1000. Floating market rates (subject to change), Monthly
imaged statement, Unlimited transfers in the bank, Check writing
limited to three per month. ATM accessibility, VRU accessibility.
Interest terms: Interest is calculated daily and paid monthly.
The annual percentage yield may change at any time. Accounts closed
before the end of the statement cycle forfeit accrued interest.
Account Charges: Monthly minimum balance fee of $5 if the daily
balance drops below $1000 any day of the month. Return
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Money Market
Plus
Features: Minimum balance $10,000. Minimum opening
balance $10,000. Monthly imaged statement, Unlimited transfers
in the bank, Check writing limited to three per month. ATM accessibility,
VRU accessibility. Interest terms: Rate/APY varies for each balance
tier and is subject to change daily. Refer to current rate sheet
Account Charges: Monthly minimum balance fee of $25 if the daily
balance drops below $10,000 any day of the month. Return
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Passbook Savings
Features: Minimum balance $100. Minimum opening
balance $100. 18 withdraws per quarter, unlimited deposits.
Passbook required to process transactions. Interest terms: Interest
is calculated daily and paid quarterly at the end of the calendar
quarter. The annual percentage yield may change at any time. Accounts
closed before the end of the quarter forfeit accrued interest.
Account Charges: Monthly minimum balance fee if the balance drops
below $100 any day of the month is $2. Fee for withdrawals exceeding
18 per quarter is $1 per withdrawal. Fee for re-issuing a lost
passbook is $5. Return to menu
Statement Savings
Features: Minimum balance $100. Minimum opening
balance $100. Monthly statement. Six withdraws per month, unlimited
deposits. ATM accessibility, & VRU accessibility. Interest
terms: Interest is calculated daily and paid monthly. The annual
percentage yield may change at any time. Accounts closed before
the end of the statement cycle forfeit accrued interest. Account
Charges: Monthly minimum balance fee if the balance drops below
$100 any day of the month is $2. Fee for withdrawals exceeding
six per month is $1 per withdrawal. Return
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Kids Klub Savings
Features: Minimum balance $1. Minimum opening
balance $1. Account holder(s) must be under age 16. Passbook required
to process transactions. 18 withdraws per quarter, unlimited
deposits. Interest terms: Interest is calculated daily and paid
quarterly at the end of the calendar quarter. The annual percentage
yield may change at any time. Accounts closed before the end of
the quarter forfeit accrued interest. Account Charges:Once the
account holder attains the age of 16, the Passbook Savings account
charges apply. Return to menu
Christmas Club
Savings
Features: Minimum balance $5. Minimum opening
balance $5. Weekly payment book. Balance plus interest paid on
October 31st. Interest terms:Interest is calculated daily and paid
at maturity. The annual percentage yield may change at any time.
Balances withdrawn prior to October 31st forfeit interest. Return
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Certificate
of Deposit
Features: Minimum balance $1000. The annual percentage
yield (APY) will not change for the term of the deposit. A notice
will be mailed 30 days prior to maturity. Excluding CD specials,
certificates of deposit will renew automatically for the same term
at the current APY in affect on the maturity date. Funds may be
withdrawn up to 10 calendar days from the maturity date without
penalty. Additional deposits may only be made at renewal. Interest
terms:Interest is calculated daily and may be paid monthly, quarterly,
semi-annually or annually. The APY assumes interest remains in
the account until maturity. If any of the principle is withdrawn
prior to maturity, a substantial penalty may apply. Return
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Health
Savings Accounts
Now Offering Health Savings Accounts.
Do you have a Qualifying High Deductible Health Plan? Are you concerned
about the ever-increasing costs of health care? Would you like
an easy and secure way to set aside dollars for health care expenses?
Open a Health Savings Account Today and Start Offsetting Qualified
Medical Expenses.To qualify for a Health Savings Account, you must
be participating in a qualified High Deductible Health Plan (HDHP),
and your annualized deposit must reflect the lesser of either government
limits or your deductible. Other limitations may apply. Check with
your insurance agent or tax advisor to confirm eligibility. Compare
a Health Savings Account to an IRA. Each dollar deposited
reduces your taxable income, but is in an account that is fully
accessible (tax-deffered). Click
here for an informative online brochure. Return
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Commercial Checking
Features: Minimum balance $1. Minimum opening
balance $100. Monthly imaged statement, Unlimited check writing.
Account Charges: Monthly maintenance $6. Deposit $0.10, Deposited
item$0.10, Paid item, $0.10. Currency Services: Rolled coin (per
roll) $0.05. Strapped currency (per strap) $0.05. ACH Electronic
Services: Received debit and credit $0.05, Transmitted debit and
credit $0.05, Multiple entry transmission $10, A varible earnings
credit based on the Chicago Federal Reserve Fund effective the
first day of the month applied to offset charges. Return
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Debit Card Application
Download today
and return to a location nearest you. Return
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Elan Visa Card
An Elan Visa Card gives you an edge. The
more you use it, the more you'll benefit-with streamlined accounting,
solid purchase protection and no annual membership fee with one
purchase per year. Request an Elan Visa Card Application from
our New Accounts Representative, or pick one up in the lobby
at any of our bank locations. For
more information visit: Visa Elan Card Return
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