Small Business Checking 

Designed especially for small to mid-sized businesses with a moderate amount of account activity

• $100 minimum deposit to open
• $15 monthly service charge if average daily balance falls below $1,500
• 250 items FREE per month; $0.25 per item in excess
• Free Online and Mobile Banking
• Free Online Bill Pay, up to 10 payments per month
• eStatements required; $3.00 per paper statement

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Commercial Checking 

Designed for businesses with higher balances and higher transaction volume

• $250 minimum deposit to open
• $15 monthly service charge which can be reduced or eliminated based on earnings credit and account balance
• $0.15 per item
• Free Online and Mobile Banking
• Free Online Bill Pay, up to 10 payments per month
• Free eStatements

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Business Interest Checking

Benefit from a full service checking account while earning interest (Sole Proprietor/Non-Profit only)

• $250 minimum deposit to open
• $15 monthly service charge if average daily balance falls below $2,500
• 100 items FREE per month; $0.25 per item in excess
• Free Online and Mobile Banking
• Free Online Bill Pay, up to 10 payments per month
• Tiered interest rate structure*
• *Interest is compounded daily, credited monthly.

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Commercial Money Market

Maintain access to your business funds while helping them grow

• $1,500 minimum deposit to open
• $15 monthly service charge if average daily balance falls below $2,500
• Only 6 debit transactions allowed per monthly statement cycle; $6.00 per debit item in excess
• Free Online and Mobile Banking
• Free eStatements
• Tiered interest rate structure*
• *Interest is compounded daily, credited monthly

Federal law limits transfers to another account or third parties by pre-authorized, automatic, or telephone transfers to six (6) per month.  If an account continuously exceeds the debit transactions allowed, we are required by law to reclassify or close the account.

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Preferred

Get the best of both worlds: checking account accessibility with the earnings power of a savings account.

• Complimentary MasterCard® debit card with unlimited transactions
• Complimentary checks (Bank stock single checks)
• Complimentary cashier’s checks and money orders
• Unlimited check writing
• Discount on small safe deposit box
• $100 minimum deposit to open
• $8 monthly service charge if average collected balance falls below $1,000
• Imaged monthly statements
• Interest compounded daily and credited monthly

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Assurance

A special privilege extended to our customers 50 years of age and above. For those more experienced in life who deserve features and benefits to match.

• Complimentary MasterCard® debit card with unlimited transactions
• Complimentary checks (Bank stock single checks)
• Complimentary cashier’s checks and money orders
• Unlimited check writing
• Discount on small safe deposit box
• $100 minimum deposit to open
• $8 monthly service charge if average collected balance falls below $500
• Interest compounded daily and credited monthly

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Prosperity

Set your sights on your long-term goals and put your money to work for you.

• $100 minimum deposit to open
• Tiered interest rate: higher interest rate with higher balance
• $6 service charge per quarter if average collected balance falls below $1,000
• Three (3) debit transactions allowed per month: each additional debit is $3 regardless of balance
• Quarterly statements
• Interest compounded daily and credited monthly. Federal law limits transfers to another account or third parties by pre-authorized, automatic or telephone transfers to 6 per month. If an account continuously exceeds the debit transactions allowed, we are required by law to reclassify or close the account.

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Foundations (for ages 0-17)

It’s never too early to start: Plant the seeds of savings early for your young ones with an interest-bearing savings account.

• $1 minimum deposit to open
• No minimum balance requirement
• Account must be joint with parent or guardian
• Two (2) debit transactions allowed per month; each additional debit is $3 regardless of average collected balance
• Quarterly statements
• Interest compounded daily and credited monthly
• Account converts to Prosperity account at age 18

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Money Market Deposit Account (MMDA)

Prefer to carry a larger balance? Take advantage of our higher interest rates.

• $1,000 minimum deposit to open
• Tiered interest rate: higher interest rate with higher balance
• $12 service charge per month if average daily balance falls below $1,000
• Six (6) debit transactions allowed per month; each additional debit is $6 regardless of balance
• Monthly statements
• Interest compounded daily and credited monthly

Federal law limits transfers to another account or third parties by pre-authorized, automatic or telephone transfers to 6 per month.

If an account continuously exceeds the debit transactions allowed, we are required by law to reclassify or close the account.

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Season’s Savings

Formerly known as The Sandy Santa, this account reminds us to beat the rush and start saving now for your holiday shopping!

• $1 minimum deposit to open
• Account paid out annually by check
• One debit allowed annually; $6 for each additional debit
• Interest compounded daily and credited annually
• No monthly service charge

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