The following is a brief description of each of the personal banking deposit products we offer. Please visit one of our friendly customer service representatives for more details.

REGULAR CHECKING ACCOUNT

• Minimum Deposit to Open $50.00

• NO Service Charge with a monthly Average Balance of $500.00

• Free ATM and Visa Debit Card available

• Monthly Statements and Check Images provided

• Free 24-Hour Telephone Banking

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NOW CHECKING ACCOUNT

• Account Available to Business who Qualify

• Minimum Deposit to Open $1,000.00

• Interest Paid monthly on daily Collected Balance

• NO Service Charge with a monthly Average Balance of $1,000.00

• Free ATM and Visa Debit Card available

• Monthly Statement and Check Images provided

• Free 24-Hour Telephone Banking

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MONEY MARKET ACCOUNTS

• Minimum Deposit of $10,000.00 to open this account

• Interest Paid monthly on Daily Collected Balance

• Limited Check Writing

• NO Service Fee with a monthly Average Balance of $10,000.00

• Free ATM Card available

• Monthly Statement and Check Images provided

• Free 24-Hour Telephone Banking

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STATEMENT SAVINGS

• Minimum Deposit of $50.00 to open this account

• Interest Paid quarterly

• NO Service Fee with an Average Balance of $50.00

• Free ATM Card available

• Quarterly (Monthly with EFT Activity) Statement provided

• Free 24-Hour Telephone Banking

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CERTIFICATES OF DEPOSIT

• Choose from a variety of Maturity options when investing in Certificates of Deposit Substantial Penalties for Early Withdrawal

• $500.00 or $1000.00 Opening Balance (Depending on type of CD)

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CHRISTMAS CLUB

• Various Convenient Amounts available

• Deposits can be transferred automatically from Checking Account

• Funds will be paid out in October

• Competitive Interest

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INDIVIDUAL RETIREMENT ACCOUNT

• Allows customers a convenient way to save for Retirement

• $50.00 opening Deposit