Deposit Products

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PERSONAL ACCOUNTS

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Basic Now Account

• $50.00 minimum opening deposit
• Interest paid on balances over $1,000.00
• $8.00 monthly service charge when average daily balance falls below
    $250.00 unless combined deposit account balances exceed $5,000.00
• Truncated account
• Unlimited check writing
• Itemized Statement
• ATM/Debit card (subject to credit approval)
• Free telephone banking
• Free internet banking
• Free Bill Pay
• Daily interest not forfeited upon Withdrawal

Basic Account with Images

• $50.00 minimum opening deposit
• Interest paid on balances over $1,000.00
• $12.50 monthly service charge when average daily balance falls below
    $1,500.00 unless combined deposit account balances exceed $5,000.00
• Free notebook for image statements
• Unlimited check writing
• Itemized Statement
• ATM/Debit card (subject to credit approval)
• Free telephone banking
• Free internet banking
• Free Bill Pay
• Daily interest not forfeited upon Withdrawal

Simple "Free" Checking

• $100.00 minimum opening deposit
• Non-interest bearing account
• No average balance to maintain
• Truncated account
• Unlimited check writing
• Itemized Statement
• ATM/Debit card (subject to credit approval)
• Free telephone banking
• Free internet banking
• Free Bill Pay
• Free first order of bank stock checks

Golden Classic Checking
(For individuals 50 +)

• $50.00 minimum opening deposit
• Interest paid on balances over $1,000.00
• No monthly service charge
• Free club checks
• Truncated account
• Unlimited check writing
• Itemized Statement
• ATM/Debit card (subject to credit approval)
• Free telephone banking
• Free internet banking
• Free Bill Pay
• Daily interest not forfeited upon Withdrawal

Money Market Checking

• $2,500.00 minimum opening deposit
• Tiered Interest paid on balances over $2,500.00
• $12.50 monthly service charge when average daily balance falls below
    $1,000.00
• Check images returned
• Itemized Statement
• Free notebook for image statements
• Transaction limitations: transfers to another account or to third parties by
    preauthorized, automatic, telephone, or computer transfer are limited to 6
    per month with no more than 3 by check, draft , debit card, or similar
    order to third parties.
• ATM/Debit card (subject to credit approval)
• Free telephone banking
• Free internet banking
• Free Bill Pay
• Daily interest not forfeited upon Withdrawal

BUSINESS ACCOUNTS

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Now Business Checking
(Sole proprietorship or non-profit)

• $250.00 minimum opening deposit
• Interest paid on balances over $1,000.00
• $12.50 monthly service charge when average daily balance falls below
    $2,500.00 -- Fee waived for non profit organizations
• Unlimited check writing
• Itemized Statement
• ATM/Debit card (subject to credit approval and business owner's
    responsibility)
• Free telephone banking
• Free internet banking
• Free Bill Pay

Commercial Checking

• $250.00 minimum opening deposit
• $15.00 monthly service charge for 3 months after which time the account
    will be evaluated based on transaction volume
• Non-interest bearing account
• Unlimited check writing
• No charge for coin rolls or bill straps
• Free telephone banking
• Free internet banking
• Free Bill Pay
  
  
  
  
  

OTHER ACCOUNTS

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Statement Savings

• $50.00 minimum opening deposit
• Interest paid on balances over $100.00
• Unlimited Deposits
• Quarterly statement (provided monthly with any activity)
• $2.50 monthly service charge if average daily balance falls below $50.00
• Interest paid quarterly
• Unlimited over the counter withdrawals
• Transaction limitations: transfers to another account or to third parties by  
    preauthorized, automatic, telephone, or computer transfer are limited to 6
    per month with no more than 3 by debit card, or similar order to third
    parties
• Daily Interest not forfeited upon Withdrawal

Certificate of Deposit Accounts

• Available for individual or business customers
• $500.00 minimum opening deposit
• Various terms available
• Click here for rates

Jumbo Certificate of Deposit Accounts

• Available for individual or business customers
• $75,000.00 minimum opening deposit
• Terms and rates negotiable - Contact our office

IRA Retirement Accounts

• $50.00 minimum opening deposit
• Unlimited deposits allowed
• Both Traditional and Roth IRAs available
• Click here for rates

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