Interest Bearing Accounts

Now Checking Account

• $100 minimum opening deposit
• Less than $1000 then a $15 monthly charge - Maintain a daily minimum balance of $1000 and avoid the $15 monthly charge.
• Choose between either an ATM Cash 24 Card - 24 hour access to your money or a MasterMoney Debit Card - this dual function card acts as both your ATM & Debit Card. It is widely accepted everywhere the MasterCard logo is displayed.
• Interest rate varies with account balance.
  Balances: $1000 - $1999.99 = Now Rate
                  $2,000 & up = Preferred Now Rate
• Savings Overdraft Protection is available - details listed below
• Ready Reserve Overdraft Protection is available - details listed below
• Receive a detailed Monthly Statement with cancelled checks
• FREE Online Banking - click on “Online Banking” at the top of this page for a demo.
• FREE Bill Payment - click on “Bill Payment” at the top of this page for a demo.

Silver 55 Checking Account

• Special account for people age 55 years and older
• $100 minimum opening deposit
• Less than $100 then a $7 monthly charge - Maintain a daily minimum balance of $100 and avoid the $7 monthly charge.
• Choose between either an ATM Cash 24 Card - 24 hour access to your money or a MasterMoney Debit Card - this dual function card acts as both your ATM & Debit Card. It is widely accepted everywhere the MasterCard logo is displayed.
• FREE blue wallet checks with Silver 55 imprint, travelers cheques, cashier checks, notary service, and money orders.
• 10% off Safe Deposit Box Rental Rates
• Interest accrues daily on the collected balance and is posted at the end of the statement cycle.
• Savings Overdraft Protection is available - details listed below
• Ready Reserve Overdraft Protection is available - details listed below
• Receive a detailed Monthly Statement with cancelled checks
• FREE Online Banking - click on “Online Banking” at the top of this page for a demo.
• FREE Bill Payment - click on “Bill Payment” at the top of this page for a demo.

Savings Overdraft Protection - You may connect your Checking Account to your Savings Account. If an overdraft situation occurs, the necessary funds will be transferred from your savings account. A notice will be sent informing you of the amount advanced which will include a $5.00 bank fee.

Ready Reserve Overdraft Protection - You may apply for a line of credit, subject to credit approval, that can be utilized when exceeding available funds in your Checking Account. Overdraft Amounts are advanced in $25 increments. Payments of 10% of the statement ending balance or $25, whichever is greater, is automatically deducted from your checking account at the end of the statement cycle. A notice will be sent when an advance is made. The notice will include the amount advanced, current checking account balance, loan limit, and loan balance.

Statement Savings

• $50 minimum opening deposit
• Less than $50 then a $2.00 charge per month - Maintain a daily minimum balance of at least $50 and avoid the $2.00 monthly charge.
• Interest accrues daily and is credited to the account at the end of the quarter.
  Quarters End: January 31, April 30, July 31, and October 31
• Up to 3 withdrawals per month - each additional monthly withdrawal will be charged $1.00.

Super Saver's Club

• Specialty Account - eligible age is birth to 17 years
• $10.00 minimum opening deposit
• No monthly service charges
• Interest accrues daily and is credited to the account at the end of the quarter
• Up to 3 withdrawals per month - each additional withdrawal is charged $1.00
• With account opening receive a "Saving Money is Cool" package which includes a coloring book, crayons, and a book mark
• Earn fun prizes at various account balance levels

Christmas Club Account

• $5 minimum opening deposit
• Minimum $5 weekly, $10 bi-weekly, or $20 monthly deposits - Save money for holiday shopping.
• No monthly maintenance fees
• Interest accrues daily and is posted to the account on October 31. Withdrawals prior to November 1 will be subject to a $7 fee. No interest will be paid on accounts closed prior to November 1.
• The first week of November a check a will be issued and mailed to you with your statement in plenty of time for holiday shopping!

Certificate of Deposit

• $500 minimum opening deposit
• Competitive Interest Rates - $5,000 minimum balance requirement for interest checks paid monthly. Penalty for early withdrawal.
• Variety of Maturities - 91 days to 60 months - Special Term Maturities available

Money Market

• $100 minimum opening deposit
• Less than $1000 then a $25 per month charge - Maintain a daily minimum balance of $1000 and avoid the $25 monthly charge.
• Choose between either an ATM Cash 24 Card - 24 hour access to your money, or a MasterMoney Debit Card at no charge. This dual function card acts as both your ATM & Debit Card. It is widely accepted everywhere the MasterCard logo is displayed.
• The interest rate varies with the account balance.
  Balances: $1000 - $2,499.99 = Money Market Rate
                  $2,500 - $24,999.99 = Preferred Money Market Rate
                  $25,000 & up = Premium Money Market Rate
• Limit of 6 transactions per statement cycle. Three of the transactions can be 3rd party or point of sale transactions and 3 can be internal account transfers. A fee of $5 will be charged for all transactions that exceed the legal limit.
• Receive a detailed Monthly Statement with cancelled checks returned
• FREE Online Banking - click on “Online Banking” at the top of this page for a demo.
• FREE Bill Payment  - click on “Bill Payment” at the top of this page for a demo.

Individual Retirement Accounts

An IRA is an individual retirement account designed to encourage a person to save for retirement. The earnings grow either tax-deferred or tax-free until withdrawn which makes IRAs an attractive investment for many people. Please consult your tax professional regarding IRS regulations.

Traditional IRA
A Traditional IRA is a tax-deferred investment. At retirement, it allows you to pay taxes on the contributions and growth when your tax rate is most likely to be at a lower rate. Based upon IRS income guidelines, these funds may be tax-deductible in the contribution tax year. Withdrawals can be made at any time, but a 10% penalty is imposed by the IRS on withdrawals made prior to age 59 ½. Withdrawals must begin by age 70 ½.

Roth IRA
A Roth IRA has non-deductible contributions which provide tax-free growth on earnings. IRS income guidelines apply to individuals eligible to open a Roth IRA. At retirement of at least 59 ½ years old, the distribution is tax-free as long as the funds have been invested for a minimum of 5 years. There is no withdrawal requirements on the Roth IRA. Since withdrawals are not reportable income, they won’t affect your adjusted gross income.

Coverdell Educational Savings Account (ESA)
Formerly known as Educational IRAs, this account now has an annual maximum contribution amount of $2,000 per child. IRS income restrictions apply to those who can contribute to an ESA. Contribution deadline is April 15 of the following tax year. The child must be under the age of 18, unless a special needs child as defined by law. These funds must be used by age 30 or rolled-over to an eligible family member. There is no tax deduction for an ESA, but the funds grow tax-free to be used towards specific educational expenses from elementary to college including private schools.

IRAs or ESAs can be established as either a Savings Account or as a Certificate of Deposit

The Savings Account is opened with a minimum deposit of $50. Make any number of contributions up to the maximum amount prior to the deadline of April 15 of the following tax year.

Open a Certificate of Deposit with a minimum deposit of $500. Prior to April 15 of the following tax year, you can open additional CDs of at least $500 up to the maximum contribution amount. All of these CDs will be part of your IRA or ESA plan. Current Special “Open an 18-month CD and receive the 24-month rate.”

Non-Interest Bearing Accounts

Lifeline Checking Account

• $100 minimum opening deposit - No monthly minimum balance requirement or service charges
• Choose between either an ATM Cash 24 Card - 24 hour access to your money or a MasterMoney Debit Card - this dual function card acts as both your ATM & Debit Card. It is widely accepted everywhere the MasterCard logo is displayed. (Monthly service fees apply.)
• Savings Overdraft Protection is available - details listed below
• Receive a detailed Monthly Statement
• Check Safekeeping - The bank holds all checks. Check copies are $2.00 pick-up/$2.50 faxed or mailed.
• FREE Online Banking - click on “Online Banking” at the top of this page for a demo.
• FREE Bill Payment - click on “Bill Payment” at the top of this page for a demo.

Premium Checking Account

• $100 minimum opening deposit
• Less than $500 then a $5 monthly charge - Maintain a daily minimum balance of $500 and avoid the $5 monthly charge.
• Choose between either an ATM Cash 24 Card - 24 hour access to your money or a MasterMoney Debit Card - this dual function card acts as both your ATM & Debit Card. It is widely accepted everywhere the MasterCard logo is displayed. (No monthly service fees.)
• Savings Overdraft Protection is available - details listed below
• Ready Reserve Overdraft Protection is available - details listed below
• Receive a detailed Monthly Statement with check images.
• FREE Online Banking - click on “Online Banking” at the top of this page for a demo.
• FREE Bill Payment - click on “Bill Payment” at the top of this page for a demo.

Commercial Checking Account

• $100 minimum opening deposit
• Less than $500 then a $10 monthly charge - Maintain a daily minimum balance of $500 and avoid the $10 monthly charge.
• MasterMoney Debit Card - This dual function card acts as both your ATM & Debit Card. It is widely accepted everywhere the MasterCard logo is displayed.
• No per item or analysis charges
• Savings Overdraft Protection is available - details listed below
• Ready Reserve Overdraft Protection is available - details listed below
• Merchant MasterCard or Visa available
• Receive a detailed Monthly Statement with check images.
• FREE Online Banking - click on “Online Banking” at the top of this page for a demo.
• Business Cash Management $14.95 per month
  Option for businesses with a Tax Identification Number

Elite Commercial Account

• $100 minimum opening deposit
• Less than $5,000 then a $20 monthly charge
• MasterMoney Debit Card at no charge
• No per item or analysis charges
• Merchant Credit Card Services Available
• Ready Reserve & Savings Overdraft Protection options
• Receive a detailed Monthly Statement with check images.
• FREE Online Banking
• FREE Bill Payment
• FREE Incoming Domestic Wires
• Business Cash Management $14.95 per month
  Option for businesses with a Tax Identification Number

Savings Overdraft Protection - You may connect your Checking Account to your Savings Account. If an overdraft situation occurs, the necessary funds will be transferred from your savings account. A notice will be sent informing you of the amount advanced which will include a $5.00 bank fee.

Ready Reserve Overdraft Protection - You may apply for a line of credit, subject to credit approval, that can be utilized when exceeding available funds in your Checking Account. Overdraft Amounts are advanced in $25 increments. Payments of 10% of the statement ending balance or $25, whichever is greater, is automatically deducted from your checking account at the end of the statement cycle. A notice will be sent when an advance is made. The notice will include the amount advanced, current checking account balance, loan limit, and loan balance.

Visa Platinum Credit Card

You chose to bank with a local financial institution for a reason...

We’re giving you one more –
A Visa® Platinum Card with everything you need. Call or contact us for more information or for an application!

Personalized Service –
You have the support of your local financial institution.

• Online access to your account - www.mycardstatement.com
• Call our specialized VIP Customer Service Department 24x7.
• Come in to receive a little extra help.

Reward Yourself –
Would you like some gifts with your groceries? Perhaps a trip to the beach with your dry cleaning? With every Visa Platinum Card purchase, you can earn points toward your
favorite rewards!

• Earn one point for every net dollar in retail purchases.
• You can redeem points for merchandise, rental cars, cruises, hotels and airline travel with fewer restrictions and no blackout dates. There’s no cap to how many points you can earn!
• For a full list of ways your card can pay you back, visit www.ScoreCardRewards.com  and click on “Browse”.

Worldwide Acceptance –
If you’re going across town or around the world, you’ll enjoy more shopping, more fine restaurants, and more travel opportunities with your Visa Platinum Card because your credit card works at millions of places that accept Visa credit cards. Make your new Visa Platinum Card your constant traveling companion and you’ll always have instant credit at your fingertips.

Security Programs –
We take your security very seriously. That’s why your Visa Platinum Card has multiple layers of cardholder protection that gives you an extraordinary level of security. You can feel confident no matter how you use it.

• Verified by Visa - Activate your card for this service and create your personal password for online purchasing protection.
• Zero Liability Policy - Your liability for unauthorized transactions is $0. Promptly notify us and you pay nothing.
• Identity Theft Assistance - If you suspect that your identity has been stolen, call 1-866-ID-HOTLINE to get access to free and confidential assistance.
• 3-Digit Code - On the back of your Visa Platinum Card, you’ll find a special 3-digit code (also called Cardholder Verification Value or CVV2), designed to provide an additional layer of internet and telephone fraud protection.

Travel Benefits –
For protection while traveling, your Visa Platinum Card automatically provides you and your family with Travel Accident Insurance and Auto Rental Insurance.

Merchant Credit Card Services
From credit cards to debit cards, we can arrange everything merchants need to process non-cash payments. This includes point-of-sale equipment, transaction authorization, draft capture, settlement, charge-back processing and reporting. Choices include Visa, MasterCard, American Express, Discover, Diners Club, and all U.S. debit card networks. We can provide you the power to make your business simple in the age of electronic payments.

MasterMoney Debit Card
Have you considered applying for a MasterMoney Debit Card? This card is convenient and it will save you time and money! The card features the MasterCard logo and it is tied to your checking account. It is more useful than an ordinary ATM card and it works like a check.

BENEFITS:

• The MasterMoney Debit Card is accepted by 16.2 million merchants world-wide including retail stores, restaurants, gas stations, catalogs, internet purchases, and places that don't accept personal checks.
• You don't need to carry large sums of cash or a bulky checkbook. MasterMoney Debit Cards are safer than cash; you have zero liability on lost or stolen cards if you report the loss or theft within two business days. If someone steals your cash you have no guaranteed recourse.
• You will receive a monthly checking account statement detailing all transactions.
• Each person on a joint account will have their own MasterMoney Debit Card. You no longer have to share a single checkbook. Both of you will always have access to your money. You use less checks so you save money on check printing costs.
• No need to write out checks or to wait for the check approval process. Using a MasterMoney Debit card is fast & easy! The money is withdrawn from your checking account. It is not a line of credit.
• The convenience of a credit card with none of the interest charges or debt!

Online Banking - FREE
Delivers a virtual bank branch to your PC whenever and wherever you need it.  It is simple, safe, secure, and a convenient way to bank, Just point and click to accomplish important banking task.

• Get accurate account and transaction information.
• Keep your checkbook in balance.
• Transfer funds between your accounts.
• Apply for loans.
• Make loan payments.
• Request stop payments on checks - fee applies.
• Reorder checks - check fee applies.
• Get the latest product information.

Bill Payment
FREE on: Lifeline, Premium, Elite Commercial, Silver 55, Now, and Money Market Accounts.

Not available on savings accounts. Transaction limits and fees are in effect for Money Market Accounts.