Friday, July 30, 2010

Deposit Products

Personal Checking

   
  • Minimum opening deposit
  • Minimum daily balance
  • Average monthly balance
  • Fee for less than minimum or average monthly balance
$500
$1,000
$2,500
$8 per month, plus $.25 for each additional debit

Personal Money Manager (NOW)

   
  • Minimum opening deposit
  • Minimum daily balance
  • Average monthly balance
  • Minimum balance to obtain annual percentage yield
  • Fee for less than minimum or average monthly balance
$1,000
$1,500
$2,500
$2,500
$10 per month, plus $.25 for each additional debit
Unlimited check writing with no fees if minimum daily balance or average monthly balance is maintained.
NOW accounts are limited to personal, sole proprietors, association accounts, and non-profit organizations.

Personal Advanced Planner (Money Market)

   
  • Minimum opening deposit
  • Minimum daily balance
  • Average monthly balance
  • Minimum balance to obtain annual percentage yield
  • Fee for less than minimum daily balance
  • Excessive money market activity fee
$1,000
$2,500
$2,500
$2,500
$8 per month
$10 per debit transaction
 
Limited to six withdrawals per month, three of which may be checks.
(Debit transactions: withdrawals, checks paid, automatic transfers or payments)

Personal Savings

   
  • Minimum opening deposit
  • Average balance per quarter
  • Fee for less than minimum or average quarterly balance
  • Fee for closing account within 90 days of opening
$300
$300
$3 per quarter
$10
Limited to three withdrawals per calendar quarter. An excessive withdrawal service fee of $2.00
will be charged for each debit transaction in excess of three during a calendar quarter.

Business Checking

   
  • Minimum opening deposit
  • Minimum daily balance
  • Average monthly balance
  • Fee for less than minimum or average monthly balance
$1,000
$2,500
$5,000
$10 per month, plus $.25 for each additional debit

Business Money Manager (NOW)

   
  • Minimum opening deposit
  • Minimum daily balance
  • Average monthly balance
  • Minimum balance to obtain annual percentage yield
  • Fee for less than minimum or average monthly balance
$5,000
$5,000
$5,000
$5,000
$10 per month, plus $.25 for each additional debit
Unlimited check writing with no fees if minimum daily balance or average monthly balance is maintained.
NOW accounts are limited to personal, sole proprietors, association accounts, and non-profit organizations.

Business Advanced Planner (Money Market)

   
  • Minimum opening deposit
  • Minimum daily balance
  • Average monthly balance
  • Minimum balance to obtain annual percentage yield
  • Fee for less than minimum or average monthly balance
  • Excessive Money Market activity fee
$5,000
$5,000
$5,000
$5,000
$8 per month
$10 per debit transaction
Limited to six withdrawals per month, three of which may be checks.
(Debit transactions: withdrawals, checks paid, automatic transfers or payments)

Business Savings

   
  • Minimum opening deposit
  • Average balance per quarter
  • Fee for less than minimum or average quarterly balance
  • Fee for closing account within 90 days of opening
$300
$300
$3 per quarter
$10
Limited to three withdrawals per calendar quarter. An excessive withdrawal service fee of $2.00
will be charged for each debit transaction in excess of three during a calendar quarter.

Certificates Of Deposit

   
  • Time certificates of deposit are available with varying interest rates and terms. Contact any Bank Officer for a current rate quote. A substantial early withdrawal penalty will be imposed if a certificate of deposit with withdrawn prior to maturity.

Individual Retirement Accounts

   
  • A variety of Individual Retirement Accounts (IRAs) and Qualified Retirement Plans (QRPs) are available. Contact your local Branch Office for additional details. A substantial early withdrawal penalty will be imposed if an IRA or QRP is withdrawn prior to maturity .