Features

• $250 minimum deposit to open
• $8.00 monthly service charge
• $0.08 for each item deposited
• $0.15 for each check paid
• An earnings credit will be computed on the average collected balance each month and used to offset the service charges.

Benefits
This account is designed for partnerships, corporations and not-for-profit organizations. It offers a relatively low monthly service charge and only charges customers for the amount of activity in the account. The statement issued at the end of the month details the activity and charges.

Potential Account Holders
Partnerships, corporations, and not-for-profit organizations with waived fees (which includes: private school, church, misc. league, VFW/American Legion, Class Reunions, school groups, scouts, Red Cross, public service, historical society, chamber and support for public office.)

• $250 minimum deposit to open
• $8.00 monthly service charge
• $.08 for each item deposited
• $.15 for each check paid
• Tiered interest rate based on balance

Benefits
This account is designed for all types of businesses. Interest paid monthly to account. It offers a relatively low monthly service charge and only charges customers for the amount of activity in the account.

Potential Account Holders
Sole Proprietorships, Partnerships, Corporations and Not-for-profit organizations who desire interest (which includes: private school, church, misc. league, VFW/American Legion, Class Reunions, school groups, scouts, Red Cross, public service, historical society, chamber and support for public office.)

Features

• $2,500.00 minimum to open
• $10,000.00 minimum balance
• $25.00 monthly service charge if balance falls below $10,000.00 any day of the month
• Interest will be paid on the entire balance in the account provided a daily minimum balance of $50,000.00 is maintained.  Interest will not be earned on any day the balance in the account falls below $50,000.00 (Call or visit a branch for current rates)
• $2.00 will be charge for each check in excess of six written during a month
• $5.00 will be charged for each check written under $500.00

Transaction Limitations:
No limit to the number of in-person withdrawals from the account.  You may only make six transfers from you account each month by checks to third parties or bill payment via check.  The minimum amount of a transfer allowed from this account is $500.00.

Benefits
This account allows investors to gain a high rate of interest on their deposits without committing to a fixed time frame.   With check writing ability, the customer is able to pay for major purchases without visiting the bank to make a withdrawal.  While the Commercial Money Market Account is not a transaction account, it does provide a great deal of convenience, as will as a high rate of return.

Potential Account Holders
Sole Proprietorships and not-for-profit organizations who desire interest (which includes: private school, church, misc. league, VFW/American Legion, Class Reunions, school groups, scouts, Red Cross, public service, historical society, chamber and support for public office.)
 

• $250.00 minimum deposit to open
• $500.00 minimum balance
• $25.00 monthly service charge if daily balance falls below minimum balance any day of the month
• No interest paid on account balances
• No per item fee for items deposited up to 100 per month (normal $.08 per item fee for each item deposited over 100 per month)
• No per item fee for checks paid up to 100 per month (normal $.15 per check fee for each check paid over 100 per month)

Benefits
This account is designed for small business customers (sole proprietors, partnerships, corporations and not-for-profit organizations).  It offers an account with a low minimum balance, no monthly service charge and no per item charges.

Potential Account Holders
Sole proprietors, partnerships, corporations and not-for-profit organizations (which includes: private school, church, misc. league, VFW/American Legion, Class Reunions, school groups, Red Cross, public service, historical society, chamber and candidates for public office).

• $2,000.00 minimum deposit to open
• No monthly service charge
• Interest Bearing

Benefits
This account is designed for government bodies and public entities, which would include accounts whose funds benefit any state, county, or municipality.

Potential Account Holders
Public schools, townships, municipalities, treasurer, county government, village government, state government and public library.

• $250.00 minimum deposit to open
• $5.00 monthly service charge if the daily balance drops below $250.00 any day of the month.
• Three free withdrawals or transfers per month; $.50 thereafter

Benefits
Ideal for businesses who desire to save money and who do not anticipate much account activity. The savings account is not designed as a transaction account and the fee structure nurtures savings. 

Potential Account Holders
Partnerships, corporations, and not-for-profit organizations. 

Transaction Limitations
There is no limit to the number of in-person or ATM withdrawals you may make from your account.  The total of withdrawals you may make by pre-authorized, automatic, on-line, telephone or telebank transfers from your account in any one calendar month cannot exceed six.  We may refuse any request for transfers in excess of these limitations.  We may elect to close the account or terminate your ability to make pre-authorized, automatic, or telephone transfers from the account if you exceed these limitations. 

• Minimum Deposits from $1,000 to $2,500
• Interest accrued daily
• Interest compounded quarterly
• Variety of rates and terms to meet individual needs

Benefits
The certificate of deposit is a vehicle that allows customers to gain higher rates of interest, in return for agreeing to deposit their money for a given period of time. Normally, the longer the term of the certificate, the greater the compensation in terms of interest rate. One benefit a CD has over alternative investments is that of safety. Each depositor is insured up to $250,000 by the FDIC. By saving locally, depositors are putting money back into their local communities.

Potential Account Holders
Partnerships, corporations, and not-for-profit organizations.