Products & Services

Regular Personal Checking^*

• $100.00 minimum to open account

• Unlimited check writing

• Monthly statement with check images

• A service charge of $8.00 will be imposed if the balance falls below $700.00 any day of the statement cycle.

eChecking Account

• $100.00 minimum to open account

• Unlimited check writing

• Monthly statement with check images

• A service charge of $8.00 monthly

• To avoid an $8.00 service charge with an eChecking account:

  • Enroll & receive e-statements each month – Paper statement will not be mailed

    • $4.00 discount for Online Statement

  • Have one Direct Deposit (ACH) deposited into account

    • $2.00 discount for Direct Deposit

  • Have 10 Debit Card purchases post and settle to your account each qualification cycle

    • $2.00 discount for 10 Debit Card purchases

NOW Accounts^*

• $1,500.00 minimum to open account

• Interest bearing account for consumers

• Unlimited check writing

• Monthly statement with check images

• Balance of $1,500.00 or more required to earn interest

• No interest is paid on balance less than $1,500.00

• A service charge of $8.00 will be imposed if the balance falls below $1,000.00 any day of the statement cycle.

Money Market Accounts^*

• $1,000.00 minimum to open account

• Interest bearing account requires $1,000.00 minimum balance for current interest rates

• Interest rates paid on tiers:

  • $1,000.00 - $9,999.99

  • $10,000.00 - $49,999.99

  • $50,000.00 and over

• By law, six third-party withdrawals or transfer allowed each month. No limit on the number withdrawals made in person or by ATM.

• First six withdrawals are free; fee of $5 for each additional withdrawal.

Silver Savings^*

• $100.00 minimum to open account

• Interest compounded quarterly

• Quarterly statements

• Six (6) free debit transactions each quarter

• An excess withdrawal fee of $1.00 will be charged for each debit transaction (withdrawal, automatic transfer, or payment out of this account) in excess of six (6) during a quarter.

*Nonsufficient and Overdraft fees apply to overdrafts and returned items on checking, N.O.W., Money Market and Silver Savings accounts.

Certificates of Deposit

• $1,000.00 minimum to open account

• Terms from 30 days to 60 months

• Competitive interest rates

• Automatic renewal

• Federal regulations require a penalty for early withdrawal

Individual Retirement Accounts

• $50.00 minimum to open a variable interest rate IRA

• Terms from 30 days to 60 months for fixed interest rates

• Eighteen (18) months for variable interest rate certificates

• Competitive interest rates

• Automatic renewal

• Traditional, ROTH, SEP, CESA accounts

• Federal regulations require a penalty for early withdrawal

Loans

• Consumer

• Commercial

• Mortgage

Debit Cards

• MasterMoney Debit Card

• May be used wherever MasterCard is accepted

• Transactions deducted immediately from your checking account

• Transactions posted on your checking account statement

• May be used for cash withdrawals at ATM machines displaying the Pulse or Cirrus logos^*

^*Fees may apply for ATM withdrawals

Telephone Banking

• Dial 662-447-2703 to access your account information 24 hours a day, seven days a week.