Personal Savings - Basic savings account with no check writing capabilities.

• Earn interest while saving for your future
• Make up to two (2) withdrawals monthly at no charge
• Itemized statement quarterly
• Interest compounded and credited to your account quarterly based on current balance
• Can provide overdraft protection for your checking account
• Minimum to Open ==> $100.00
• Monthly Maintenance Fees
• $2.00 monthly fee
• $100.00 average daily balance to avoid maintenance fee
• $1.00 charge per withdrawal in excess of 2 per month

Money Market Account - Limited check writing account for those who maintain less than $10,000 in a savings account.

• Tiered interest rates so that your interest rate will increase as your balance grows
• Make six (6) pre-authorized transfers from your account per month, three (3) of which may be third party checks
• Free unlimited number of deposits
• Can provide overdraft protection for your checking account
• Minimum to Open ==> $1,000.00
• Monthly Maintenance Fee
• $10.00 monthly fee
• $1,000.00 minimum daily balance to avoid monthly fee
  

Investor Gold Account - Limited check writing account for those who maintain $10,000 or more in a savings account that allows you to earn a certificate of deposit rate without having to select a specific maturity.

• Interest rates are determined monthly, for average collected balances of $10,000 and over, the interest rate is equal to the discount rate for the 26 week Treasury rate as of the last auction date of the previous month.
• If the average collected balance for the month is less than $10,000, the account earns interest at the current savings rate.
• Interest is compounded and credited monthly based on the average collected balance
• Itemized statement monthly
• Make six (6) pre-authorized withdrawals (including, but not limited to, withdrawals made by automated clearing house, telephone, or wire), no more than three (3) of which may be made by check or similar order payable to a third party each calendar month. These limitations do not apply to withdrawals made through ATM's, over-the-counter, mail or messenger.
• Minimum to Open ==> $10,000.00
• Monthly Maintenance Fees

  $15.00 monthly fee
  $2,500.00 minimum daily balance to avoid monthly fee
  $5.00 charge per withdrawal in excess of 6 per month

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