CHECKING:
Impact Checking:
A cycle service charge of $5.00 will be imposed every statement cycle if the daily balance on any day of the statement cycle falls below $10,000.00. You may reduce your cycle service charges by $1.00 if you are receiving estatements on this account and/or by .12 per posted and cleared debit card transaction (PIN or signature based). ATM transactions do not apply.
Connect Checking:
If daily balance falls below $5,000, a monthly cycle service charge of $20.59 will be charged.
If you have at least a $25,000 combined balance or loan relationship tied to the account, you won’t incur cycle service charges if your balance falls below the minimum.
Rates tiered according to daily balance
The rates may change after the account is opened.
Fees may reduce the earnings on the account.
Hero Checking:
Monthly cycle service charge of $8.00 is waived for firefighters, first responders, healthcare workers, military (active duty and veterans), law enforcement and teachers.
Simple Checking:
If daily balance falls below $500.00, a monthly cycle service charge of $8.00 will be charged.
Business Analysis Checking:
Account earnings and cycle service fees vary based on analysis. Contact us for more details.
Business Builder Checking:
No charge for the first 250 items. Charge of $0.35 per item over 250.
Community Builder Checking:
No charge for the first 250 items. Charge of $0.35 per item over 250.
SAVINGS:
Traditional Individual Retirement Account (IRA):
Required distribution at age 72. Tax advantage – taxed when you distribute money.
Terms: 6 months to 5 years; required distributions. Additional rates and terms available.
Please contact your local banking center for current deposit rates.
$500 minimum to open
A penalty may be imposed for early withdrawals
Certificate of Deposit (CD):
Terms: 30 days to 5 years. Additional rates and terms available.
Rates based on term.
$500 minimum to open
A penalty may be imposed for early withdrawals
Consumer Money Market:
If daily balance falls below $3,000, a monthly cycle service charge of $12.00 will be charged.
Transaction Limitations: You may make no more than six preauthorized withdrawals, automatic or telephonic transfers, checks, drafts, and debit card and similar transactions from your account per statement cycle.
Please contact your local banking center for current deposit rates.
The rates may change after the account is opened.
Fees may reduce the earnings on the account.
Roth Individual Retirement Account (IRA):
No required distributions. Tax advantage – taxed before you contribute.
Terms: 6 months to 5 years; no required distributions. Additional rates and terms available.
Rates based on term.
$500 minimum to open
A penalty may be imposed for early withdrawals
Simple Savings:
If daily balance falls below $100, monthly cycle service charge of $2.59 will be charged.
Transaction Limitations: You may make no more than six preauthorized withdrawals, automatic or telephonic transfers, drafts, and debit card and similar transactions from your account per statement cycle.
Any withdrawal after that will be charged at $1.00 each withdrawal during the month that the transaction limit is exceeded.
The rates may change after the account is opened.
Fees may reduce the earnings on the account.
Coverdell Education Savings:
| Maximum annual modified adjusted gross income to qualify** | $110,00 (single), $220,000 (joint) |
| Maximum contribution limit per beneficiary** | $2,000 |
| Maximum age of beneficiary to receive contributions | 18 |
| Tax-deductible contributions | No; however, distributions used to pay for qualified education expenses are tax-free |
| Online account access | 24/7 |
| Additional resources | |
| How to enroll | Contact us |
**These limits subject to change per IRS guidelines
Business Savings:
If daily balance falls below $100, monthly cycle service charge of $2.59 will be charged.
Transaction Limitations: You may make no more than six preauthorized withdrawals, automatic or telephonic transfers, checks, drafts, and debit card and similar transactions from your account per statement cycle.
Any withdrawal after that will be charged at $1.00 each withdrawal during the month that the transaction limit is exceeded.
The rates may change after the account is opened.
Fees may reduce the earnings on the account.
Certificate of Deposit (CD):
Please contact your local banking center for terms and rates.
$500 minimum to open
A penalty may be imposed for early withdrawals
Business Money Market
If daily balance falls below $3,000, monthly cycle service charge of $12.00 will be charged.
Transaction Limitations: You may make no more than six preauthorized withdrawals, automatic or telephonic transfers, checks, drafts, and debit card and similar transactions from your account per statement cycle.
The rates may change after the account is opened.
Fees may reduce the earnings on the account.