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
• Interest Bearing

Benefits
This account is specifically designed to pay interest to sole proprietors 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.

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.

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• $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.

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• $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.  Out of these six, no more than three withdrawals may be made by CheckCard, or similar order to a third party.  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. 

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• 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 $100,000 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.

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