Deposit Products and Services

Regular Checking

Non-interest bearing account

Required opening deposit on regular checking accounts is $50.00

Regular
Now Account Checking

This Account is a variable interest bearing account. The interest rate and annual percentage yield are included in the Rate Chart. The interest rate and annual percentage yield may change at any time and will be determined at our discretion.
 Interest begins to accrue no later than the business day when the Bank receives credit for the deposit, usually the first business day after the banking day on which the deposit is received. Interest will be compounded monthly and will be credited to the account monthly. If you close your account before interest is credited, you may not receive your accrued interest.

We use the daily balance method to calculate the interest on the account. This method applies a periodic rate to the collected daily balance in the account for each day. This periodic rate paid is based upon the collected balance in the account and can change daily on tiered rate accounts as detailed in the Rate Chart. You must maintain a minimum balance of $950.00 in the account each day to obtain the disclosed annual percentage yield.

You must deposit $750.00 to open this account

Must maintain a $750.00 minimum balance to avoid a monthly service charge. If your account drops below the $750.00 minimum balance you may be charged a service charge of $10.00 a month.

Superior
Now Account Checking

This Account is a variable interest bearing account. The interest rate and annual percentage yield are included in the Rate Chart. The interest rate and annual percentage yield may change at any time and will be determined at our discretion.

Overdraft Charge:  “An overdraft fee applies to overdrafts created by check, in-person withdrawal or other electronic means”

$25.00 per day
$25.00 per day after the account is overdrawn for five (5) consecutive days

Non-Sufficient Fund Charge

$20.00 per item

ATM Cards
 - Issue Fee
 - Replacement Fee

$15.00
$  5.00

Check printing:

Prices vary with your style selection

Counter Checks

$1.00 per check

Stop Payment

$20.00 per item

Account Reconciliation

$20.00 per hour

Account Research

$20.00 per hour

Account Closure

$10.00 within ninety (90) days

Balance Inquiries

$3.00 after 4 per month

Dormant Account Fee

$5.00 Monthly with two (2) years of inactivity

Photocopies:

$.10 per copy

Fax

$3.00 per fax

Notary Fee

Complimentary service for customers

Checks
 - Certified
 - Money Orders

$10.00 per item
$1.00 per  hundred; $5.00 maximum charge

Non-Customer Check Cashing

$2.00 per hundred over $100.01; $10.00 maximum charge

- Wire Transfers
    - Incoming
   - Outgoing

$25.00 per item
$25.00 per item