NOW Account

The advantages of a savings account and a full range of checking services

• No service charge on average monthly balance of $200 or more. (Just a $5.00 charge any month your average balance falls below $200.)
• You earn interest at current market rates
• ATM & DEBIT CARDS included. (No monthly card fee. Subject to Approval.)

Money Market Checking Account

You earn some of the best rates around and retain immediate access to your funds.

• Open and maintain your account with a minimum of $1000
• Access to your funds by using a combination of up to 6 transfers or checks per month

Free Checking Account

You must deposit $25 to open this account

• You will receive a monthly statement of your Free Checking account; however, your account will be truncated (i.e., you will not receive either your checks or images)

ATM Service

Access your accounts anywhere-anytime!

• Free, Secure 24-hour, seven-day-a-week banking services at all locations
  Worldwide access to your funds ALL THE TIME, through the Cirrus and Plus System ATM Networks - Some fees may apply

DEBIT/ATM CARD USERS!!!

If you are traveling out of the country or far away from home and plan to use your debit card please call 800-889-5280, option 1 to let us know where and when you will be traveling. This will be for your convenience when a transaction tries to go through which is not common for your account it will not be earmarked as potential fraud! Be sure to have your Debit card number available when you call.

If your Debit/ATM card has been lost or stolen, please call 800-528-2273. Report your card as soon as possible to prevent any unauthorized transactions before they start.

12 Free Benefits of the 55-PLUS Program

• No-fee checking account
• Free first order of 200 single-copy safety-blue wallet checks (or a $10 credit on purchase of other check and types)
• Free first ATM card
• No annual debit card fee
• Free traveler's checks for up to two people
• Free incoming wire transfers
• Free coin counting
• Free notary services
• Free cashiers checks

MORE money-saving benefits when you open your 55-PLUS Account

• $5.00 discount on safe deposit box rent
• Unique loan programs for account holders

Important information about the 55-PLU$ Program

Interest Rates.

The Bank sets rates of interest, based on the average daily balance of the account. Rates and annual percentage yields (APY) may change from time to time. 55-Plus account members receive exception pricing.

Average Daily Balance.

The daily balance of the account for each day of the month is added. The result is divided by the number of days in the month.

Accruing Interest.

Interest on cash and non-cash deposits (for example, checks) begins to accrue on the business day of the deposit.

Compounding and Crediting Interest.

Interest is compounded daily and credited monthly. Interest is paid on the 25th of the month. Note: If you close your account before the date interest is paid, you will not receive the accrued interest for the month in which the account is closed.

Balance and Deposit Requirements.

No minimum balance applies to the 55-PLUS Account.

INTERESTED?

CALL OR STOP BY ANY BRANCH TO TAKE ADVANTAGE OF THE 55-PLUS PROGRAM FOR SENIORS